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Home » Authors » John Bancroft

Articles by John Bancroft

1Q21 ABS Issuance Spikes 87% as COVID Recovery Takes Hold

April 23, 2021
John Bancroft

Driving the improvement (no pun intended): the auto lending and leasing sector.


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ABS Market Roars in 2021, Issuance Hits 16-Year High

April 22, 2021
John Bancroft
Production of vehicle-finance and business ABS was up sharply in the first quarter. A transaction backed by future cash flows from an airline rewards program played a big part, while student loan and consumer ABS markets also posted big gains. (Includes two data charts.)
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Agency MI Market Contracts as Purchase Lending Slows

April 22, 2021
John Bancroft
The seasonal housing market slowdown had a bigger impact on private MI business in the first quarter. New restrictions on Fannie/Freddie acquisitions of purchase loans with layered credit risk may hit the private MI sector the hardest. (Includes three data charts.)
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Agency MI Market Retrenches in 1Q but Remains Robust Overall

April 22, 2021
John Bancroft

Sales of purchase loans with private MI coverage fell 21.7%, while Ginnie recorded somewhat more modest declines in FHA (16.0%) and VA (18.0%) volume.


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Short Takes: In Demand: MSR Portfolios / Better Marks / The Benefits of Bank Ownership / FHFA Hires FDIC Vet Steckel / Correction on Ginnie Transfers

April 21, 2021
Paul Muolo, John Bancroft, and Dennis Hollier

It's a good time to sell mortgage servicing rights...


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Agency Delinquency Rates Decline Sharply in 1Q21

April 20, 2021
John Bancroft

The combined overall delinquency rate for Fannie and Freddie dropped to 2.57% at the end of March...


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Ginnie Servicer Buyouts for Loss Mitigation/Foreclosure Jump 58% in 1Q21

April 20, 2021
John Bancroft

The game is on: Ginnie Mae buyouts for loss mitigation/foreclosure purposes spiked in 1Q21 to $9.7 billion...


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MSR Transfer Market Off to Puzzling Start in 1Q21

April 19, 2021
John Bancroft

Amazingly, there were no bulk transfers of Ginnie MSRs. None.


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Nonbanks Help Freddie Gain Share in 1Q21 GSE Servicing

April 16, 2021
John Bancroft
A number of nonbanks added significantly to their Freddie servicing portfolios during the first quarter, raising the industry's stake to over half of the market. Meanwhile, delinquency rates fell sharply in early 2021. (Includes two data charts.)
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MSR Transfer Market Off to Puzzling Start in Early 2021

April 16, 2021
John Bancroft
Bulk transfers of Fannie and Freddie servicing rights increased significantly from the fourth quarter, but the Ginnie market was dead. New bulk buyers topped the ranking. (Includes three data charts.)
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