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Home » Authors » John Bancroft

Articles by John Bancroft

Fresh HMDA Data Show a Surge in Refi and Govt. Purchase Loans Sparked Production Last Year

October 4, 2016
John Bancroft
Interestingly, new originations increased slightly more than the 31.2 percent increase in new applications filed during the year.
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Analysis: GSE ‘Patch’ and High Cost Limits Account for 25% of their Business

October 3, 2016
John Bancroft
In the first six months of 2016, Fannie and Freddie securitized $64.52 billion of single-family mortgages with DTI ratios exceeding 43 percent.
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Retail Channel Yields High Credit Score Refi Loans

October 3, 2016
John Bancroft
Retail loans had lower debt-to-income ratios as well…
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Exclusive: Fannie and Freddie Received Marching Orders from the FHFA: Have the Same G-Fees

September 30, 2016
John Bancroft
The directives make clear that the minimum g-fee applies only to swap transactions…
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The Fed’s HMDA Tally: Originations Sharply Higher in 2015

September 30, 2016
John Bancroft
The Federal Reserve's HMDA tally for 2015 came in at $1.651 trillion…
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A Significant Increase in ‘Agency’ Jumbos for 2Q; GSE Loan Limit to Increase?

September 29, 2016
John Bancroft
The baseline agency conforming loan limit likely will rise slightly next year…
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Foreign Investors, Others Beef Up Their Investment in Agency MBS

September 23, 2016
John Bancroft
According to Treasury Department reports, overseas investors held $821.3 billion of Fannie, Freddie and Ginnie MBS at the end of June, a 5.0 percent increase from March.
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And the Beat Goes On: Banks Continue to Cede MSR Business to Nondepositories

September 22, 2016
John Bancroft
Meanwhile, bank whole loan portfolios have been increasing – largely because of the resurgence of jumbo mortgage originations, along with the recovery in home-equity lending.
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The Final Tally: Production Profits Rose in 2Q16, but Servicing Results Hammered

September 22, 2016
John Bancroft
A group of 13 publicly traded lenders reported a combined $1.72 billion in production and secondary marketing income for the second quarter.
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On the Rise Again: Bank Repurchases of Mortgages

September 19, 2016
John Bancroft
All of the second-quarter increase can be attributed to Bank of America, which reported $372.0 million in repurchases for the period – up $67.0 million from the first quarter.
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