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John Bancroft

jbancroft@imfpubs.com

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Articles

ARTICLES

Final Tally: Bank Loan Sales Fell in 4Q16; A Weak Year Overall

April 4, 2016

John Bancroft

The link between loan sales and mortgage-banking income can be squishy…

New GSE High-LTV Program Will Not be an Option for Existing HARP Borrowers

March 31, 2016

John Bancroft

Except for 2012, the biggest year in program activity, most of the loans originated under HARP had rates above today’s levels.

Mortgage Securitization Rate Nudged Higher in 2015, But Below Post-Crisis Norm

March 24, 2016

John Bancroft

An estimated $1.21 trillion of newly-originated home loans were pooled in mortgage securities last year.

Mortgage Debt Rising Again, but Falls Just Short of the $10 Trillion Mark

March 24, 2016

John Bancroft

The GSEs’ retained portfolios are shrinking, but whole-loan investments held by banks and credit unions are not.

GSE Seller Buybacks Fall to Record Low in Late 2015

March 21, 2016

John Bancroft

The improved R&W framework has been a big plus for GSE sellers...

MBS Inventory Creeped Higher in Late 2015, No Shortage of Investors

March 18, 2016

John Bancroft

There are two sides to the story. A year from now, the agency MBS market could reach the $6.0 trillion mark...

Home-Equity Lending Up Solidly in 2015, but Balances Wane

March 17, 2016

John Bancroft

Home-equity originations declined by a modest 3.0 percent from the third to the fourth quarter...

Banks Continue Their Retreat from Non-Mortgage ABS

March 11, 2016

John Bancroft

The supply of outstanding ABS itself fell slightly in the fourth quarter, down 2.3 percent to $704.91 billion...

Despite Slump in ‘Conforming-Jumbo’ Market, Big-Ticket Mortgages Fared Well in Late 2015

March 9, 2016

John Bancroft

Refinance activity was heavy in the first half of 2015, and jumbo borrowers typically have more to gain by pulling the refi trigger.

Depositories Continue to Dump Servicing Rights; But How Much More Can Nonbanks Handle?

March 9, 2016

John Bancroft

In some quarters, experts wonder how much more nonbanks can grow given capital concerns and interest rate volatility.

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John Bancroft

ARTICLES

Final Tally: Bank Loan Sales Fell in 4Q16; A Weak Year Overall

New GSE High-LTV Program Will Not be an Option for Existing HARP Borrowers

Mortgage Securitization Rate Nudged Higher in 2015, But Below Post-Crisis Norm

Mortgage Debt Rising Again, but Falls Just Short of the $10 Trillion Mark

GSE Seller Buybacks Fall to Record Low in Late 2015

MBS Inventory Creeped Higher in Late 2015, No Shortage of Investors

Home-Equity Lending Up Solidly in 2015, but Balances Wane

Banks Continue Their Retreat from Non-Mortgage ABS

Despite Slump in ‘Conforming-Jumbo’ Market, Big-Ticket Mortgages Fared Well in Late 2015

Depositories Continue to Dump Servicing Rights; But How Much More Can Nonbanks Handle?

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