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Home » Authors » John Bancroft

John Bancroft

jbancroft@imfpubs.com
@https://twitter.com/jbancroftimf
Articles

ARTICLES

Collateral Still Key Factor in Keeping Applicants From Mortgage Approval

September 30, 2013
John Bancroft
Collateral was much less of an issue in the purchase market, accounting for just 14 percent of conventional denials.
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Federal Reserve Closes in on Commercial Banks as Top MBS Investor in the World

September 27, 2013
John Bancroft
The Federal Reserve continues to be an MBS hog, so much so that it may soon surpass commercial banks as being the top holder of these securities.
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GSE Buybacks Slow But Recent Books May Get More Scrutiny

September 27, 2013
John Bancroft
Although "legacy" GSE buyback requests are declining, Freddie Mac is paying close attention to more recent production.
Read More

Steady Decline in Mortgage Debt Bolsters MSR Values

September 26, 2013
John Bancroft
If you're looking for another factor in the red hot MSR market, consider this: housing receivables keep shrinking.
Read More

Fannie Mae Decides to Jettison ‘Inactivity’ Fee

September 25, 2013
John Bancroft
Fannie Mae seller/servicers also can dodge the maintenance fee if they have $25 million in Fannie servicing or paid $5,000 in technology fees.
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REITs Report Another Drop in MBS Holdings, But Their Short-Term Fortunes Improve

September 20, 2013
John Bancroft
Residential mortgage REITs held $327 billion of single-family MBS at the end of the second quarter, according to a new market analysis by Inside MBS & ABS.
Read More

Refinancings at Their Lowest Level in Two Years, Wells Top Purchase Lender

September 19, 2013
John Bancroft
Lenders such as Bank of America and Quicken are hooked on refis. What might the future hold for these funders as purchase loans begin to dominate?
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Final HMDA Origination Tally for 2012: $2 Trillion, Denial Rates for Minorities Remain High

September 18, 2013
John Bancroft
Although the largest minority groups still had higher denial rates, there were bigger-than-average increases in refi activity among black and Hispanic borrowers.
Read More

MSR Valuations Rebounded Sharply in Second Quarter

September 17, 2013
John Bancroft
The top 20 bank and thrift mortgage servicers all reported increases in their MSR valuations, according to exclusive figures from Inside Mortgage Trends.
Read More

Mortgage Buybacks Decline to Lowest Level in Four Years

September 16, 2013
John Bancroft
Mortgage buybacks can vary significantly among seller/servicers because it’s driven by business and legal processes rather than current market dynamics.
Read More
View All Articles by John Bancroft

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