While the FHFA has proposed a formal rulemaking on GSE capital, the current standard known as the conservatorship capital framework has not been made public…

The Final Tally for 3Q18 Originations: $435 Billion. Modest Declines Expected in the Quarters Ahead

October 25, 2018

John Bancroft

The mortgage market was somewhat more top-heavy in the third quarter, with the top 25 lenders accounting for 57.7 percent of total production…

Trouble Brewing? FHA and VA Delinquencies on the Rise

October 24, 2018

John Bancroft

No wonder Ginnie Mae Acting President Michael Bright is nervous: Short-term default rates showed the biggest increases…

Non-Mortgage ABS Production Down Sharply in 3Q18

October 19, 2018

John Bancroft

Most of the third-quarter slippage occurred in the business-finance category, where ABS production tumbled 51.2 percent...

Agency MSR Market Grew Modestly in 3Q18 as Nonbanks Continued Their March Forward

October 18, 2018

John Bancroft

Fun fact: Nonbanks went over the 60.0 percent threshold in Ginnie Mae market share during the third quarter.

FHA Market Grows Riskier in 2018

October 16, 2018

John Bancroft

FHA debt-to-income ratios are also deteriorating…

Home-Equity Lending Up Sharply in 2Q18, But Market Still Far Below Its Potential

October 15, 2018

John Bancroft

Lenders did more home-equity business during 2Q18, but the volume of HEL assets outstanding continued to shrink. Credit unions continued to build market share.

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