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Volume 18 - Number 9

May 2, 2014

Is Fear of Rejection Slowing the Housing Market?

With mortgage originations, new home sales and mortgage applications all in decline, industry representatives are scrambling to find out why. Is it rising rates? Constricted supply? Tougher underwriting? Compliance overload? A new consumer survey by loanDepot, an independent mortgage lender, suggests another, more novel reason: the fear of rejection. Fear that they will not qualify for a mortgage has stopped nearly half (46 percent) of all potential homebuyers from ...

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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.