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Home » Authors » John Bancroft

Articles by John Bancroft

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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Another Ugly Reading for Mortgages: February MBS Issuance Hits 18-Year Low

March 3, 2023
John Bancroft
For the sixth month in a row, Ginnie was the top agency issuer...
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Agency Single-Family MBS Tests New Lows in February

March 2, 2023
John Bancroft
Ginnie ranked as the top agency MBS issuer in February for the sixth month in a row. A tweak in the agency's RPL pooling policies helped. (Includes two data charts.)
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FHA Helps First-Timers in Struggle with Affordability

March 2, 2023
John Bancroft
The FHA gained share in the first-time buyer market during the fourth quarter even though its average loan amounts were up slightly. Rising mortgage rates led to higher debt burdens across the market. (Includes four data charts.)
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Commingle Activity Remains Limited in Second-Level MBS from GSEs

March 2, 2023
John Bancroft
FHFA's plans to reduce the fee on commingled securities from the GSEs followed another quarter with limited commingling.
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