Agency MBS/Secondary Activity

Agency Loan Characteristics: MI and Purpose

Chart detailing volume by unpaid principal balance by purpose (purchase and refinance) for private mortgage insurance, FHA, VA and no MI. Also includes average FICO score, average debt-to-income and average loan-to-value for each breakout.

2014-1Q16 Data

Agency Loan Characteristics: Demographics (HMDA Data)

Chart detailing volume, distribution and share for Fannie Mae, Freddie Mac and Ginnie Mae for single-family mortgages as broken out by race/ethnicity (American Indian, Asian, Black, Hawaiian/Pacific Islander, White and Hispanic), by borrower income, and by percent of area population classified as minority.

2013 Data

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.

12M16 Data

6M16 Data

2014 Data

Agency Loan Characteristics: LTV by FICO

A matrix showing the distribution of GSE loans according to loan-to-value bucket (<61 percent, between 61 and 80 percent, and 81 to 97 percent), FICO score (740+, 700-739, and 620-699) and purpose (purchase and refi). Also includes loan-level price adjustments in basis points for the same matrix points.

5M16 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.
No. It’s still difficult compliance/regulatory-wise.
Maybe. It’s under consideration.
Not now. But things could change as 2018 progresses.

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