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Home » Authors » John Bancroft

Articles by John Bancroft

Amid the Pandemic, Auto Finance Drives Away in a Slumping ABS Market

July 24, 2020
John Bancroft

The vehicle-finance sector hit a pothole as new issuance skidded 26.0% from the first quarter to $21.61 billion. But that represented 62.9% of new ABS production for the second quarter.


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Auto Finance Drives Away in Slumping 2Q20 ABS Market

July 23, 2020
John Bancroft
Although ABS issuance backed by auto finance fell 26% from the first to the second quarter, the sector still accounted for nearly 57% of non-mortgage securitization in the first half of 2020. (Includes two data charts.)
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Mortgage Originations Shoot to 17-Year High in 2Q20

July 23, 2020
John Bancroft
Residential lenders originated $865 billion of mortgages in the second quarter, the highest level since 2003. While most shops reported robust increases, a number of top-tier banks and nonbanks failed to keep pace. (Includes two data charts.)
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The Final (Amazing) Tally for 2Q20: $865 Billion, a 17-Year High

July 23, 2020
John Bancroft

The top gainer among the 20-largest originators: Guaranteed Rate of Chicago...


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A Slight Increase in Mortgage Repurchases by Depositories

July 23, 2020
John Bancroft

The call-report figures generally track buyback trends documented by Fannie and Freddie, though the bank figures may include repurchases and indemnifications linked to other buyers.


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The Pandemic Effect? GSE FICO Scores Head North in 2Q20

July 22, 2020
John Bancroft

Mortgages with credit scores of 740 and up accounted for 72.69% of GSE refi business, up from 65.55% in the first quarter.


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Data Reveals a Shift From Servicing-Released to Servicing-Retained

July 20, 2020
John Bancroft

The top five servicers saw a combined 2.8% drop in MSRs...


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GSE Servicing Fragments in 2Q20, Forbearance Totals Up

July 17, 2020
John Bancroft
Hundreds of smaller GSE sellers retained more servicing in the second quarter than they usually do, setting the stage for increased bulk MSR trades when buyers get more confident. (Includes two data charts.)
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GSE Refi Market Leans to Lower-Risk Loans in 2Q20

July 17, 2020
John Bancroft
Only 9.2% of refi loans sold to Fannie and Freddie in the second quarter had credit scores below 700, the lowest such concentration on record. (Includes two data charts.)
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California Loses Ground in Surging 2Q20 MI Market

July 17, 2020
John Bancroft
The Golden State still ranked tops in most primary mortgage insurance categories during the second quarter, but Texas gained in many products. (Includes data chart.)
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