Channel Analysis

Agency Channel/Purpose Loan Detail

Average underwriting characteristics (FICO score, debt-to-income ratio, loan-to-value ratio and loan size) by loan purpose by channel for the government-sponsored enterprises and for Ginnie Mae.

2014 Data

Poll

With originations expected to drop in 2018, will your shop turn to non-QM/non-prime mortgage products as a way to bolster volumes?

Yes, definitely. We’re planning a launch.

33%

No. It’s still difficult compliance/regulatory-wise.

20%

Maybe. It’s under consideration.

33%

Not now. But things could change as 2018 progresses.

13%