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Home » Authors » John Bancroft

John Bancroft

jbancroft@imfpubs.com
@jbancroftimf
Articles

ARTICLES

Mortgage Debt Outstanding Approaching Pre-Crash High Set Back in March 2008

December 20, 2018
John Bancroft
Banks, savings institutions and credit unions held a combined $3.005 trillion of unsecuritizedsingle-family mortgages in portfolio as of Sept. 30…
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Ginnie Stats Reveal Sharp Increase in FHA Risk Layering Over Two Years

December 17, 2018
John Bancroft
Loans with DTI ratios exceeding 50 percent accounted for 29.60 percent of FHA business in Ginnie MBS during the first two months of the fourth quarter…
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Non-Agency MBS Outstanding Nears the End of an 11-Year Tunnel

December 14, 2018
John Bancroft
Roughly $458.6 billion of single-family non-agency MBS were outstanding at September 30, a scant 0.1 percent drop from June…
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Home-Equity Lending Still Can’t Gain Traction Despite Strong Residential Values

December 13, 2018
John Bancroft
The home-equity market peaked back in 2007 at $1.133 trillion in outstandings. It has been in an 11-year swoon since then.
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Retail Lost Share in Major Product Groups

December 11, 2018
John Bancroft
However, retail remains king of the jumbo sector…
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Banks Gain on ‘Servicing for Others,’ MSR Valuations Rise

December 10, 2018
John Bancroft
At Sept. 30, banks and thrifts serviced $3.627 trillion of residential mortgages for others…
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Agency MBS Issuance Not-So-Bad in November 3Q18, Off by Just 1.0 Percent

December 7, 2018
John Bancroft
Agency production last month was buoyed by an increase in securitization of refinance loans…
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How to Shrink the GSE Footprint Without Having to Ask Congress To Do Anything

December 7, 2018
John Bancroft
Want to shrink Fannie and Freddie? Cut investor loans, then move on to cash-out refis…
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Purchase-Loan Market Began Softening in 3Q but Experts Anticipate a Rebound

December 6, 2018
John Bancroft
Purchase loans accounted for over 80.0 percent of third-quarter production at Wells Fargo, PennyMac Financial, Caliber Home Loans, U.S. Bank and Amerihome…
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VA Prepares to Move Against Abusive Cash-Out Refis, but Details are Light

December 3, 2018
John Bancroft
The VA notice says there are “urgent and compelling circumstances” that warrant issuing an interim final rule that will go into effect quickly.
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View All Articles by John Bancroft

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