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Volume 2014 - Number 38

October 9, 2014

Downloads Available: Top Federally Insured Credit Union Mortgage Originators - 6M14

Credit Unions Stake Bigger Claim in 2014 Mortgage Originations Market, Aided by Home-Equity Focus

Credit unions have been slowly expanding their share of new mortgage originations for the past decade, but in 2014 the industry crossed a symbolic threshold, according to a new Inside Mortgage Finance analysis of call-report data. For the first time, the credit union industry owns a double-digit share of new originations. The industry originated $30.0 billion of home mortgages during the second quarter – or 10.2 percent of the $295.0 billion in total mortgage originations for the period. Back in 2004, credit unions accounted...[Includes one data chart]

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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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