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February 18, 2014

VA Production Slumps in 4Q, But Full Year a Record for the Agency

By George Brooks

Despite the slowdown, an estimated 630,000 mortgages were guaranteed by VA in FY 2013 – a record. Wells Fargo was the top VA funder with $14.82 billion. USAA was second.

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Poll

With rates higher this year, there has been talk of lenders liberalizing their underwriting standards in an effort to increase volume and make up for lower refis.

Do you think your shop will loosen standards over the coming three months?

Yes, but not by much.
Yes, by a lot.
Yes and, heck, we may even do non-QM lending.
No, not at all.
No and we may even tighten credit.

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