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Home » Authors » John Bancroft

Articles by John Bancroft

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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Private MI, FHA Market Shares Rebound in Second Quarter

August 12, 2021
John Bancroft
Credit losses at the private mortgage insurers fell 47.5% from 1Q21 to 2Q21...
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Private MI, FHA Market Shares Rebound in 2Q21

August 12, 2021
John Bancroft
Surging purchase-mortgage business helped boost market shares for the FHA and private mortgage insurers, but the biggest factor was a sharp decline in VA business. (Includes three data charts.)
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Depositories Report 2Q21 Slump in Mortgage Banking Income

August 10, 2021
John Bancroft
Overall, Wells Fargo continued to post the biggest earnings of the group...
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Freddie Gains Share in July as Fannie Bumps Into Caps

August 6, 2021
John Bancroft
Refinance business continue to drop sharply at both GSEs, but Freddie recorded a solid gain in purchase-loan acquisitions. (Includes two data charts.)
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Wholesale Loses Ground in 2Q21, Correspondent Gains

August 6, 2021
John Bancroft
The shift toward more purchase-mortgage business in the agency market appeared to help the correspondent channel the most at the expense of wholesale-broker. (Includes two data charts.)
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Banks Report 2Q21 Slump in Mortgage Banking Income

August 6, 2021
John Bancroft
Only two of 21 banks reported increased income from mortgage banking during the second quarter, both due to improvement on the servicing side of the business. (Includes data chart.)
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Agency MBS Issuance Down in July Despite Ginnie Mae Gain

August 6, 2021
John Bancroft
The two GSEs securitized $98.14 billion of refi loans in July, the lowest monthly volume since March of last year, when the Federal Reserve sparked a massive refi market by pushing interest rates to record lows.
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