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Volume 22 - Number 24

November 23, 2018

Downloads Available: Agency Channel/Purpose Loan Characteristics: 3Q18

Downloads Available: Agency Channel Analysis: 3Q18

Retail Channel Produces Best FICO Scores in 3Q18

Retail-originated loans securitized by Fannie Mae, Freddie Mac and Ginnie Mae during the third quarter generally had stronger credit scores than similar loans produced by third-party lenders, according to a new Inside Mortgage Trends analysis of loan-level data. The average credit score for a retail purchase loan pooled in an agency mortgage-backed security during the period was 735.47, compared with 720.20 for correspondent purchase ... [Includes two data charts]

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Do mortgage lenders really need a new credit-scoring model or is the current FICO system adequate?

It’s fine. Stick with what works.


Time for a change. Borrowers are different today.


Undecided, still assessing the situation.