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Volume 2014 - Number 17

August 15, 2014

Downloads Available: Why Loans Have ATR Problems

ATR/QM Standards Have Limited Jumbo Lending

The Consumer Financial Protection Bureau’s ability-to-repay requirements and standards for qualified mortgages have reduced originations of jumbo purchase-mortgages, according to 50.7 percent of the 67 bank jumbo lenders recently surveyed by the Federal Reserve. An Inside Nonconforming Markets analysis of the survey results reveals that the major impediments to originations are income verification requirements and ... [Includes one data chart]

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