Private Mortgage Insurance Activity

Insured Mortgage Loan Characteristics

Chart detailing underwriting and market characteristics of insured loans by insurance type and loan purpose. For each loan purpose (purchase, first-time homebuyer, refinance), chart provides volume, underwriting characteristics and market data by insurance type (private MI, FHA, VA, USDA rural). Underwriting characteristics are credit score, original loan-to-value, debt-to-income and loan size. Market data are market share and distribution (category's share of guarantor's total volume).

12M15 Data

3M15 Data

Insurance Trends in Agency MBS Business

Chart details loan characteristics for MI-insured loans sold to the GSEs and FHA. Provides volume, average loan-to-value ratio, average FICO score and average debt-to-income ratio for purchase mortgage loans with and without mortgage insurance and refinance loans with and without mortgage insurance. Also includes same data for FHA purchase and refinance loans.

2013 - 3Q17

Trends in GSE MI-Insured Business

Chart details loan characteristics for MI-insured loans sold to Fannie Mae or Freddie Mac. Provides volume, average loan size, average loan-to-value ratio, average FICO score and average debt-to-income ratio for purchase mortgage loans with and without mortgage insurance and refinance loans with and without mortgage insurance.

4Q13-1Q17 Data

3Q12-4Q13 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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