Tag Archives: Credit Risk

A new analysis studied how risk, location, and scale economies affected mortgage rates for jumbo and conforming loans. Here’s what it found.

The current housing market boom is being led by strong demand chasing constricted supply, according to a report on the housing market. Here are some other indicators on how the market has performed so far this year.

Rick Sharga, EVP, Carrington Mortgage Holdings spoke to MReport on how Carrington is helping this set of borrowers achieve their dream of homeownership and the difference between non-prime loans and the subprime loans issued prior to the Great Recession.

How have underwriting standards for conventional loans for homes changed from the pre-crisis housing market? Here’s what a report tracking credit risk for the first quarter of 2018 found.

Bolstered by a strong private sector market demand, Fannie Mae and Freddie Mac continued to attract and expand private sector investment in the last quarter of 2017.

According to an analysis by the Urban Institute, proposed housing finance changes being discussed by the Senate Banking Committee would provide better-targeted support for low- and moderate-income (LMI) ...

CoreLogic released on Thursday its Q2 2017 Housing Credit Index report, which measures the increase or decrease in credit risk for new home originations based on six factors. See which areas showed improvement here.

Mortgage lenders are taking increased credit risks similar to those of the early 2000s, according to a new report released on Tuesday. The level of credit risk taken by lenders in Q1 of 2017 was about the same as the average risk taken between 2001 and 2003. According to the report, the shift toward riskier lending standards is a result of declining refinances, rising mortgage rates, and increased investor, condo, and co-op share of purchase loans.

The two transactions will retain risk for the first 50 basis points of loss on an $18.1 billion loan pool and a $2.3 billion loan pool. The loan pools covered consist of 30-year fixed-rate loans with loan-to-value ratios greater than 60-percent and less than or equal to 80 percent, all acquired by Fannie Mae from January 2016 through July 2016.

Though many experts have said housing finance reform is unlikely this year, the time is now to explore the fundamentals of how that reform could happen. Uniform and transparent measures of credit risks will play a key role—whether it’s in 2016, 2017, or beyond. Editor's note: This select print feature appears in the March 2016 edition of MReport magazine, available now.