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December 29, 2014

Outlook Improving for First-Time Homebuyers but Underwriting Remains Tight

By Brandon Ivey

However, originations aren’t expected to spike in 2015 due to a number of factors, including tight underwriting standards.

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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.

47%

Yes, by a lot.

5%

Yes and, heck, we may even do non-QM lending.

14%

No, not at all.

26%

No and we may even tighten credit.

7%