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Inside MBS & ABS

May 8, 2025

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Hello Refi! Agency Market Springs to Life in April

A surge in refinance activity — especially rate-term transactions — provided much of the fuel for April’s 16% increase in agency single-family MBS. So far, 2025 is running 14% ahead of last year’s pace. (Includes two data tables.) Read More

Ginnie Buydown Changes Tackle Just Tip of Iceberg

The agency moved to limit the volume of mortgages with buydowns flowing into its MBS program. The restrictions apply only to temporary buydowns, which are less concerning to investors than mortgages with a permanent buydown. Read More

GSE Socials Most Sought-After MBS Story in 1Q25

With specified pools accounting for half of GSE single-family MBS issued in the first quarter, the most popular option was MBS with high social-mission scores. (Includes data table.) Read More

Agency MBS Investors See Positive Signs on GSE Reform

The Trump administration appears unlikely in the near-term to work on ending the conservatorships of the GSEs. And any potential moves will aim to limit disruptions in the mortgage market, according to officials in the administration. Read More

CFPB Drops Lawsuit Against Student Loan ABS

While the bureau seems to be stepping away from an enforcement focus within the ABS market, industry attorneys note that a Third Circuit decision is still binding. Read More

Banks Increasing Sales of Older Jumbo Mortgages

Redwood Trust is seeing a surge in sales of seasoned mortgages by banks. Read More

Plugging Climate Risk Into MBS Ratings

Fitch Ratings analysts seek feedback on a framework for interpolating climate change risk into bond ratings. Read More

Losses Increase on Home Improvement ABS

In a shift, losses on home improvement ABS are outpacing losses on solar ABS. Read More

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Featured Poll

As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

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