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The 2017 hurricane season devastated individual lives, communities, and entire regions. As one would expect, dramatic increases in mortgage delinquencies accompanied these events. But the...

Mortgage Markets Edge Platform

RiskSpan's Vintage Quality Index (VQI) fell slightly, from 102.59 in May to 100.76 in June 2018, indicating a mild tightening but no major changes in underwriting standards. A slight increase in the ...

Mortgage Markets Edge Platform

In December 2016, I was asked to consult on a start-up real estate refinance company located in the Saudi Arabia. I wasn’t sure I understood what he was saying. As someone who has worked in the U.S....

Mortgage Markets

RiskSpan's Vintage Quality Index (VQI) held steady at 102.59  for the month of May 2018 indicating no major changes in underwriting standards associated with a particular vintage of mortgage loans.

Mortgage Markets Edge Platform

The Vintage Quality Index continued to climb during April 2018--a reflection of rising debt-to-income ratios and falling credit scores--settling at 102.6

In 2015, RiskSpan introduced the Vintage...

Credit Risk Modeling Mortgage Markets Edge Platform

RiskSpan’s Benchmarking Tool includes the most recent monthly loan-level issuance data released by Fannie Mae and Freddie Mac (the GSEs), providing insights into the characteristics of mortgage...

Data Management Mortgage Markets Edge Platform

Momentum continues to build around reverse mortgages and related products. Persistent growth in both home prices and the senior population has stoked renewed interest and discussion about the most...

Mortgage Markets Reverse Mortgage

We succumbed to some clickbait yesterday when we encountered a Risk.net article entitled “FHLBs: safe as houses?” The subheading ominously read, “Health of huge bank funder rests on home loans and...

FHFA FHLBanks Mortgage Markets

 

CECL DFAST / CCAR Blockchain Mortgage Markets

At its heart, the failure of the private-label residential mortgage-backed securities (PLS) market to return to its pre-crisis volume is a failure of trust. Virtually every proposed remedy, in one...

Securitization Blockchain Mortgage Markets
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