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November 21, 2014

Risk-Based Pricing Continues: Lower FICO Score Borrowers Saw Bigger Hikes in G-Fees

By John Bancroft

The increase in g-fees last year made all three loan-purpose categories more profitable.

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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.

vote to see results