Government Loan Characteristics

GSE Single-Family Mortgage Pool Characteristics

Breakdown of single-family mortgage pool characteristics for both Fannie Mae and Freddie Mac including volume by product type (FRM, ARM) and weighted averages (loan size, LTV, FICO). Data are yearly from 2009-2016 and quarterly from 1Q17-3Q17.

2009-3Q17 Data

GSE New Business Trends by Loan Purpose

Chart includes new GSE business volume for purchase and refinance mortgages. Breakdown includes unpaid principal balance and average FICO score, debt to income and loan to value ratios for each loan purpose. Monthly numbers provided for January 2016 to July 2016. Also includes percentage of refinance share.

2014-July 2016 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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