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CDFIs Under Scrutiny as their Non-QM Lending Increases

June 10, 2022
Brandon Ivey
Kroll Bond Rating Agency published a report focusing on mortgages originated by CDFIs and their inclusion in non-agency MBS. The Change Company defended its practices while Quontic Bank stopped offering “no ratio” loans.
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ARM Originations Decline in 1Q22, Market Share Increases

June 10, 2022
Brandon Ivey
Originations of adjustable-rate mortgages declined in the first quarter of 2022, but at a slower rate than the downturn in total first-lien production. ARMs accounted for 7.9% of total originations during the quarter. (Includes data chart.)
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Weak Demand for Non-QMs Persists Following Rise in Rates

June 10, 2022
Brandon Ivey
Spreads on expanded-credit MBS issuance have widened significantly this year as lenders sell mortgages originated prior to the runup in interest rates. Issuance has slowed but market participants are optimistic in the long term.
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Lenders Defend Offering DSCR Loans with Negative Cash Flow

June 10, 2022
Brandon Ivey
Some non-agency lenders will allow for investment-property mortgages underwritten based on the income generated by the property where the monthly rent doesn’t cover expenses for the property.
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Bayview Resumes Small-Balance Commercial MBS Issuance

June 10, 2022
Brandon Ivey
An affiliate of Bayview Asset Management issued an MBS with small-balance commercial properties in May, marking the first issuance of its type from the firm since September 2020.
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Delinquencies on Non-QMs Tick Up in April

June 10, 2022
Brandon Ivey
After more than a year of steady declines in delinquencies on securitized non-QMs, delinquency rates have fluctuated in recent months.
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News Briefs

June 10, 2022
Brandon Ivey
Non-agency MBS issuance nearly frozen; Redwood raises funds with debt sale; DBRS accepts more firms for due diligence.
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Non-Agency Market Poised for Growth as Refi Business Falls

May 27, 2022
Brandon Ivey
Participants in the non-agency market note that the loans are more difficult to underwrite than typical agency mortgages. But given that agency refi business is falling, there’s still plenty of business to be had in the non-agency space.
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Sharp Divide on ARMs in Non-Agency Market

May 27, 2022
Brandon Ivey
ARMs are getting more popular with borrowers as interest rates increase. In the non-agency market, ARM originations are currently dominated by banks.
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Higher-Priced Lending Jumps in 2021, Led by Purchase Mortgages

May 27, 2022
Brandon Ivey
Non-agency originations of higher-priced mortgages increased by nearly 60% on an annual basis in 2021. The top lenders include a mix of expanded-credit producers and lenders that focus on manufactured homes. (Includes two data charts.)
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