Home >> Tag Archives: Urban Institute (page 11)

Tag Archives: Urban Institute

Research Shows Signs of Mortgage Credit Loosening

After years of post-crisis credit tightening, the availability of mortgage credit has slowly edged up from Q3 2013 to Q1 2015. The Urban Institute’s Housing Finance Policy Center reported that 4.6 percent of purchase loans that are likely to default increased to 5.7 percent, according to the Housing Credit Availability Index.

Read More »

Senior Households Expected to Nearly Double by 2030

Senior households have been rising slowly over the decades, but this is about to change in the coming years. Urban Institute’s recent analysis of housing trends determined that senior households are expected to grow dramatically by 2030.

Read More »

HFPC Panel Addresses Servicing Hot-Topics

Mortgage service regulations have not yet fully caught up with significant industry changes over the past five years, according to an Urban Wire blog post by the Urban Institute and author Karan Kaul.

Read More »

Mortgage Credit Still Tight for Most Borrowers

The effects of the contemporary lending environment are rather significant. According to the institute, if the “cautious” credit standards of 2001 were in place in 2013, rather than that year’s “severe” standards, an additional 1.25 million loans would have been made in 2013.

Read More »

Urban Institute Report Discusses Plunge in GSE Profits

The Urban Institute has released a report discussing the impact of these changes and the likelihood Freddie Mac will need to take another draw from the Treasury. Accord to the report, Fannie Mae and Freddie Mac made a combined profit of over $120 million in 2013. But by 2014 the net profit from both institutions fell by 80 percent, with Fannie Mae profit totaling to $14 billion and Freddie totaling $8 billion. More alarming were Freddie’s fourth quarter profits, which were down 90 percent from just the previous quarter.

Read More »