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Volume 18 - Number 13

June 27, 2014

Downloads Available: Top GSE Seller Profile: Risk Categories Jan. - May 2014 (100 Sellers)

Biggest Slice of GSE Business Comes From High FICO/Mid-Range LTV

The biggest source of Fannie Mae and Freddie Mac business during the first five months of 2014 came from loans with high credit scores and loan-to-value ratios that donít require mortgage insurance, according to a new Inside Mortgage Trends analysis. Some 34.0 percent of mortgages securitized by the two government-sponsored enterprises through May of this year had credit scores of 740 or higher and LTV ratios ranging from 61 percent to 80 percent ... [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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