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Home » Authors » John Bancroft

Articles by John Bancroft

Mortgage Servicing Market Leans More to Whole Loans

March 16, 2023
John Bancroft
Building a portfolio of home loans through branch offices is about as old-school as business gets.
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Mortgage Servicing Market Leans More to Whole Loans

March 16, 2023
John Bancroft
The supply of Fannie/Freddie servicing stagnated and non-agency MBS lost momentum in the fourth quarter. But depository whole-loan portfolios are growing, as are the home-equity and government-insured markets. (Includes two data charts.)
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In a Tight Contest, Fitch Edges Kroll in RMBS Ratings

March 13, 2023
John Bancroft
S&P was the top rating service in vehicle ABS with a 38.9% share.
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Down Once Again: REIT Holdings of MBS

March 10, 2023
John Bancroft
While it leaned away from MBS, Annaly continued to grow its portfolio of MSRs...
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REIT MBS Holdings Down, But Some Portfolios Grew

March 9, 2023
John Bancroft
Armour Residential, Dynex, Invesco and MFA Financial all reported gains in MBS holdings, while the top tier posted declines in the fourth quarter. (Includes data chart.)
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Fitch Edges Kroll in RMBS Ratings, S&P Tops in ABS

March 9, 2023
John Bancroft
The RMBS rating business nearly ground to a halt in the fourth quarter, but ECM was the place to be in 2022. ABS fared a little better, with business-finance and consumer deals showing relative strength. (Includes two data charts.)
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Jumbo Lending Slammed in Both Agency and Non-Agency

March 9, 2023
John Bancroft
Agency securitization of high-balance loans fell slightly more than non-agency jumbo originations in the fourth quarter. The two markets are nearly mirror images of each other in terms of bank/non-bank dominance. (Includes three data charts.)
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Jumbo Lending Slammed in 4Q, Agency and Non-Agency Alike...

March 9, 2023
John Bancroft
Led by Wells Fargo, banks held the top seven spots in the non-agency jumbo lending sector...
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FTHBs Catch a Bit of a Break, but DTIs Rise

March 6, 2023
John Bancroft
The average FTHB debt-to-income ratio rose to 40.6% in the fourth quarter...
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Public Nonbanks Struggle for Profitability in Late 2022

March 3, 2023
John Bancroft
A handful of homebuilder mortgage-banking operations helped improve an otherwise dreary fourth quarter for nonbank lenders. However, four companies have not posted year-end results. (Includes data chart.)
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