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Home » Authors » John Bancroft

Articles by John Bancroft

Bank ABS Holdings Edge Up Despite Slippage at the Top

September 3, 2020
John Bancroft

TD Bank and Charles Schwab continued to dominate the sector, accounting for a combined 45.2% of industry ABS holdings despite pulling back somewhat during the pandemic-stricken second quarter.


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And the Beat Goes On: GSEs Print Another Monthly Record

September 1, 2020
John Bancroft

With four months still to go, 2020 already ranks as the second-highest year ever for Fannie/Freddie single-family business.


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Depositories Rake in the Mortgage Profits. Then There’s Wells Fargo...

September 1, 2020
John Bancroft

Commercial banks and thrifts posted a whopping $5.62 billion in net income from their mortgage banking operations during the second quarter.


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GSE Loan Buybacks Actually Fell in 2Q20. However…

August 31, 2020
John Bancroft

Higher delinquencies should lead to more Fannie/Freddie loan buybacks, but we're not there yet, thanks, in part, to forbearance...


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GSE Buybacks Slip in 2Q20, But Unresolved Claims Rise

August 28, 2020
John Bancroft
Most of Freddie's repurchase activity in the second quarter involved loans securitized in 2020, but 2019 business still accounted for most of Fannie's activity. (Includes three data charts.)
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Banks Report Huge Gain in Mortgage Banking Income

August 28, 2020
John Bancroft
The industry got no help from perennial leader Wells Fargo, but banks still posted their strongest quarterly income from mortgage banking in five years. (Includes data chart.)
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Bank ABS Holdings Edge Up Despite Slippage at the Top

August 27, 2020
John Bancroft
TD Bank and Charles Schwab, the two biggest bank investors in ABS, both pulled back from the market in the second quarter, but industry-wide holdings rose slightly. (Includes two data charts.)
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GSE Jumbo Gains in 2Q20 Overshadow Non-Agency

August 27, 2020
John Bancroft
A number of top lenders shifted gears to focus on the high-margin GSE business in the second quarter while curtailing their non-agency jumbo production. (Includes three data charts.)
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A 78% Spike in ‘Conforming’ Jumbos for the GSEs

August 27, 2020
John Bancroft

Other sectors of the jumbo market saw more measured gains...


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Government Lending Loses More Ground to PMI but VA Stays Ahead of FHA

August 24, 2020
John Bancroft

For the third consecutive quarter, VA production exceeded FHA activity – and the margin widened significantly...


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