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Home » Authors » John Bancroft

Articles by John Bancroft

Nonbank Earnings Plummet as Margins Shrink in 2Q21

August 20, 2021
John Bancroft
A dozen publicly traded nonbanks saw combined income drop 69% from the first to the second quarter, thanks largely to shrinking production margins and unhedged MSR portfolios. (Includes data chart.)
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Banks Change Course and Add Servicing-for-Others

August 20, 2021
John Bancroft
The key to a modest increase in servicing-for-others in the banking industry was the purchase of a large nonbank by Western Alliance Bank. (Includes data chart.)
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Banks Favor GSE Paper as Industry Pads MBS Holdings

August 19, 2021
John Bancroft
Bank investment in agency MBS, especially Fannie/Freddie paper, continued to grow during the second quarter, though not quite as much as the overall market. (Includes two data charts.)
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Non-Agency Lending Jumps in 2Q, Agency Production Declines

August 19, 2021
John Bancroft
Production of jumbos and expanded-credit mortgages spiked while agency lending deflated.
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Agency Market Stumbled in 2Q21 as Jumbo, ECM Surge

August 19, 2021
John Bancroft
The agency market — FHA/VA and conventional conforming — still accounted for 86% of first-lien originations, but jumbo and ECM lending are gaining ground. (Includes two data charts.)
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GSE CRT Issuance Slows in Second Quarter

August 18, 2021
John Bancroft
Freddie's issuance fell by more than 50% from the first quarter and Fannie remained inactive.
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FHA Lending Up, VA Down in Second Quarter

August 17, 2021
John Bancroft
VA Interest Rate Reduction Refinance Loan volume declined by nearly 40% in the second quarter.
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Tide Turns in 2Q21 FHA/VA Market as Refi Wave Ebbs

August 13, 2021
John Bancroft
New VA endorsements declined significantly due to a sharp drop in refinance activity, but FHA volume was up slightly in the second quarter. (Includes three data charts.)
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CLO Issuance Soaring in 2021 in All-Sector Boom

August 12, 2021
John Bancroft
Over $60 billion of new CLO issuance came to market in the second quarter of 2021, along with a whopping $70 billion in refinance and restructuring activity. (Includes two data charts.)
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GSE CRT Debt Shrinking Despite Freddie Issuance

August 12, 2021
John Bancroft
With Fannie’s Connecticut Avenue Securities on ice for over a year, the supply of single-family credit-risk transfer debt in the market has declined significantly. (Includes data chart.)
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