Average Loan Amount
|
Period/Date
|
Average Amount
|
Average Mortgage Amount (TransUnion) |
|
$189,707
|
Average Mortgage Amount (TransUnion) |
|
$187,139
|
Average Mortgage Amount (TransUnion) |
|
$185,496
|
Average Mortgage Amount (TransUnion) |
|
$183,339
|
Credit Scores
|
Period/Date
|
Average Score
|
FICO Score Average (Ellie Mae) |
Sep 2018 |
727 |
FICO Score Average (Ellie Mae) |
|
722
|
FICO Score Average (Ellie Mae) |
|
726
|
FICO Score Average (Ellie Mae) |
|
722
|
FICO Score Average (Ellie Mae) |
|
728
|
FICO Score Average (Ellie Mae) |
|
738
|
FICO Score Average (Ellie Mae) |
|
748
|
FICO Score Average (Ellie Mae) |
|
746
|
VantageScore Average (Experian) |
|
675
|
VantageScore Average (Experian) |
|
673
|
VantageScore Average (Experian) |
|
669
|
VantageScore Average (Experian) |
|
679
|
Equifax Risk Score Average |
|
750
|
Credit Score National Average (Experian) |
|
693
|
Weighted Average FICO Score at Origination on Fannie Mae’s and Freddie Mac’s portfolios (FHFA)
|
June 30, 2008
|
723 |
|
Period/Date
|
Index
|
Mortgage Credit Availability Index (MBA) |
Nov. 2018
|
188.8
|
Mortgage Credit Availability Index (MBA) |
|
179.2
|
Mortgage Credit Availability Index (MBA) |
|
175.2
|
Mortgage Credit Availability Index (MBA revised) |
|
164.0
|
Mortgage Credit Availability Index (MBA revised) |
|
134.3
|
Mortgage Credit Availability Index (MBA revised) |
|
112.8
|
Mortgage Credit Availability Index (MBA revised) |
|
88.2
|
Mortgage Credit Availability Index (MBA revised) |
|
97.5
|
Mortgage Credit Availability Index (MBA) |
Dec 2010
|
118.2
|
Mortgage Credit Availability Index (MBA) |
Dec 2009
|
94.4
|
Mortgage Credit Availability Index (MBA) |
Dec 2008
|
83.2
|
Mortgage Credit Availability Index (MBA) |
Dec 2007
|
316.4
|
Mortgage Credit Availability Index (MBA) |
Dec 2006
|
725.6
|
Mortgage Credit Availability Index (MBA) |
Dec 2005
|
846.4
|
Mortgage Credit Availability Index (MBA) |
|
|
National Mortgage Risk Index
|
Period/Date
|
Average Score
|
National Mortgage Risk Index (AEI) |
|
11.4%
|
National Mortgage Risk Index (AEI) |
|
10.81%
|
National Mortgage Risk Index (AEI) |
|
10.60%
|
National Mortgage Risk Index (AEI) |
|
19.00%
|
National Mortgage Risk Index (AEI)
|
|
6.00%
|
Loan-to-Value Ratios
|
Period/Date
|
Average Score
|
LTV Average on New Originations (Ellie Mae) |
|
79%
|
LTV Average on New Originations (Ellie Mae) |
|
79%
|
LTV Average on New Originations (Ellie Mae) |
|
78%
|
LTV Average on New Originations (Ellie Mae) |
|
80%
|
LTV Average on New Originations (Ellie Mae) |
|
82%
|
LTV Average on New Originations (Ellie Mae) |
|
81%
|
LTV Average on New Originations (Ellie Mae) |
|
79%
|
LTV Average on New Originations (Ellie Mae) |
|
77%
|
LTV Average on Outstanding Loans (CoreLogic) |
|
55.5%
|
LTV Average on Outstanding Loans (CoreLogic) |
|
57.8%
|
LTV Average on Outstanding Loans (CoreLogic) |
|
59.7%
|
LTV Average on Outstanding Loans (CoreLogic) |
|
61.9%
|
LTV Average on Outstanding Loans (CoreLogic) |
Q4 2012
|
69.1%
|
LTV Average on Outstanding Loans (CoreLogic) |
Q4 2012
|
71.3%
|
Turnaround
|
Period/Date
|
Average Days to Close
|
Days to Close Average (Ellie Mae) |
|
44
|
Days to Close Average (Ellie Mae) |
|
44
|
Days to Close Average (Ellie Mae) |
|
50
|
Days to Close Average (Ellie Mae) |
|
49
|
Days to Close Average (Ellie Mae) |
|
42
|
Days to Close Average (Ellie Mae) |
|
46
|
Days to Close Average (Ellie Mae) |
|
48
|
Days to Close Average (Ellie Mae)
|
|
47
|
Closing Ratio
|
Period/Date
|
Average Closing Rate
|
Closing Rate Average (Ellie Mae) |
Sep 2018 |
71.7% |
Closing Rate Average (Ellie Mae) |
|
71.2%
|
Closing Rate Average (Ellie Mae) |
|
73.2%
|
Closing Rate Average (Ellie Mae) |
|
67.3%
|
Closing Rate Average (Ellie Mae) |
|
60.2%
|
Closing Rate Average (Ellie Mae) |
|
54.0%
|
Closing Rate Average (Ellie Mae) |
|
49%
|
Closing Rate Average (Ellie Mae)
|
|
48%
|
Debt-to-Income Ratios
|
Period/Date
|
Average DTI
|
DTI Average (Ellie Mae) |
|
25/39
|
DTI Average (Ellie Mae) |
|
25/39
|
DTI Average (Ellie Mae) |
|
25/38
|
DTI Average (Ellie Mae) |
|
25/39
|
DTI Average (Ellie Mae) |
|
24/38
|
DTI Average (Ellie Mae) |
|
24/36
|
DTI Average (Ellie Mae) |
|
23/34
|
DTI Average (Ellie Mae)
|
|
24/35
|
ARM Resets
|
Period/Date
|
Level
|
ARM resets (Bank of Amercia) |
|
$680 billion
|
ARM resets subprime (Fannie Mae) |
|
882,000 loans
|
ARM resets (Bank of Amercia) |
|
$515 billion
|
ARM resets (IMF) |
|
$1,500 billion
|
ARM resets (Fannie Mae) |
|
1.5 million loans
|
Subprime Hybrid ARM resets (FDIC) |
2008
|
1.3 million loans
|
Subprime Hybrid ARM resets (FDIC)
|
|
|
Companies in NMLS |
As of Date |
Total |
Companies (unique state-licensed) |
June 30, 2018 |
16,866 |
Companies (unique state-licensed) |
Dec. 31, 2017 |
16,966 |
Companies (unique state-licensed) |
Dec. 31, 2016 |
16,355 |
Companies (unique state-licensed) |
Dec. 31, 2015 |
16,004 |
Companies (unique state-licensed) |
Dec. 31, 2014 |
16,022 |
Companies (unique state-licensed) |
Dec. 31, 2013 |
16.145 |
Companies (unique state-licensed) |
Dec. 31, 2012 |
16,688 |
Companies (unique state-licensed) |
Dec. 31, 2011 |
17,121 |
Institutions (federal registry) |
June 30, 2018 |
9,122 |
Institutions (federal registry) |
Dec. 31, 2017 |
9,491 |
Institutions (federal registry) |
Dec. 31, 2016 |
9,831 |
Institutions (federal registry) |
Dec. 31, 2015 |
10,220 |
Institutions (federal registry) |
Dec. 31, 2014 |
10,566 |
Institutions (federal registry) |
Dec. 31, 2013 |
10,845 |
Institutions (federal registry) |
Dec. 31, 2012 |
11,052 |
Institutions (federal registry) |
Dec. 31, 2011 |
11,081 |
Branches (unique state-licensed) |
Mar. 31, 2018 |
25,542 |
Branches (unique state-licensed) |
Dec. 31, 2017 |
24,710 |
Branches (unique state-licensed) |
Dec. 31, 2016 |
22,937 |
Branches (unique state-licensed) |
Dec. 31, 2015 |
21,182 |
Branches (unique state-licensed) |
Dec. 31, 2014 |
20,699 |
Branches (unique state-licensed) |
Dec. 31, 2013 |
19.881 |
Branches (unique state-licensed) |
Dec. 31, 2012 |
18,819 |
Branches (unique state-licensed) |
Dec. 31, 2011 |
18,791 |
Mortgage Brokers (1st mortgage) |
March 31, 2012 |
14,026 |
Mortgage Brokers (1st mortgage) |
Dec. 31, 2011 |
13,303 |
Mortgage Brokers (2nd mortgage) |
March 31, 2012 |
11,557 |
Mortgage Brokers (2nd mortgage) |
Dec. 31, 2011 |
10,886 |
Servicing (first mortgage) |
March 31, 2012 |
1,455 |
Servicing (first mortgage) |
Dec. 31, 2011 |
1,409 |
Servicing (second mortgage) |
March 31, 2012 |
1,114 |
Servicing (second mortgage)
|
Dec. 31, 2011
|
1,091
|
Mortgage Bankers
|
Period/Date
|
Level
|
Mortgage Bankers Reporting Under HMDA (MBA) |
|
8,900
|
Active Mortgage Lenders as of Dec. 31 (Ellie Mae) |
2009 |
7,500 |
New Reverse Mortgage Origination Companies (Reverse Market Insight Inc.) |
first-half 2008 |
1,000+ |
New Reverse Mortgage Origination Companies (Reverse Market Insight Inc.) |
2007 |
776 |
New Reverse Mortgage Origination Companies (Reverse Market Insight Inc.) |
2006 |
393 |
New Reverse Mortgage Origination Companies (Reverse Market Insight Inc.) |
second-half 2005 |
174 |
Closings per sales employee per month (MBA) |
Q3 2018 |
1.9 |
Closings per sales employee per month (MBA) |
Q1 2018 |
4.8 |
Closings per sales employee per month (MBA) |
Q4 2017 |
5.9 |
Closings per sales employee per month (MBA) |
Q3 2017 |
5.8 |
Closings per sales employee per month (MBA) |
Q2 2017 |
5.9 |
Closings per sales employee per month (MBA) |
Q1 2017 |
5.0 |
Closings per sales employee per month (MBA) |
2016 |
8.9 |
Closings per sales employee per month (MBA) |
2015 |
5.7 |
Closings per sales employee per month (MBA) |
2014 |
4.6 |
Closings per sales employee per month (MBA) |
2013 |
7.0 |
Closings per sales employee per month (MBA) |
Q4-2012 |
11.1 |
Closings per sales employee per month (MBA) |
Q3-2012 |
11.0 |
Closings per sales employee per month (MBA) |
Q2-2012 |
9.4 |
Closings per sales employee per month (MBA) |
Q1-2012 |
9.1 |
Closings per sales employee per month (MBA) |
Q4-2011 |
9.8 |
Closings per sales employee per month (MBA) |
Q3-2011 |
7.8 |
Closings per sales employee per month (MBA) |
Q2-2011 |
9.4 |
Closings per sales employee per month (MBA) |
Q4-2010 |
9.6 |
Closings per sales employee per month (MBA) |
2009 |
4.32 |
Closings per sales employee per month (MBA) |
2008 |
7.0 |
Average Loans Originated Per Mortgage Banker Loan Officer (MBA) |
2007 |
57 |
Average Loans Originated Per Mortgage Banker Loan Officer (MBA) |
2006 |
62 |
Average Loans Originated Per Mortgage Banker Loan Officer (MBA) |
2005 |
83 |
Average Loans Originated Per Mortgage Banker Loan Officer (MBA) |
2004 |
91 |
Average Loans Originated Per Mortgage Banker Loan Officer (MBA) |
2003 |
141 |
Average Net Production Income Per Loan BPS (MBA) |
Q2 2018 |
+2 |
Average Net Production Income Per Loan BPS (MBA) |
Q1 2018 |
+2 |
Average Net Production Income Per Loan BPS (MBA) |
Q4 2017 |
+12 |
Average Net Production Income Per Loan BPS (MBA) |
Q3 2017 |
+39 |
Average Net Production Income Per Loan BPS (MBA) |
Q2 2017 |
+45 |
Average Net Production Income Per Loan BPS (MBA) |
Q1 2017 |
+7 |
Average Net Production Income Per Loan BPS (MBA) |
2016 |
+24 |
Average Net Production Income Per Loan BPS (MBA) |
2015 |
+58 |
Average Net Production Income Per Loan BPS (MBA) |
2014 |
+33 |
Average Net Production Income Per Loan BPS (MBA) |
2013 |
+61 |
Average Net Production Income Per Loan $ (MBA) |
2014 |
+$746 |
Average Net Production Income Per Loan $ (MBA) |
2013 |
+$1,242 |
Average Net Production Income Per Loan $ (MBA) |
2012 |
+$2,199 |
Average Production Profit Per Loan (MBA) |
Q3 2018 |
+$480 |
Average Production Profit Per Loan (MBA) |
Q4 2017 |
+$300 |
Average Production Profit Per Loan (MBA) |
Q4-2011 |
+$1,191 |
Average Production Profit Per Loan (MBA) |
Q3-2011 |
+$1,306 |
Average Production Profit Per Loan (MBA) |
Q1-2011 |
+$2,297 |
Average Production Profit Per Loan (MBA) |
Q4-2010 |
+$785 |
Average Production Profit Per Loan (MBA) |
2009 |
+$1,135 |
Average Production Profit Per Loan (MBA) |
2008 |
+$184 |
Average Production Profit Per Loan (MBA) |
2007 |
-$560 |
Average Production Profit Per Loan (MBA) |
2006 |
-$50 |
Average Production Profit Per Loan (MBA) |
2005 |
$258 |
Average Production Profit Per Loan (MBA) |
2004 |
$657 |
Average Production Profit Per Loan (MBA) |
2003 |
$1,272 |
Average Servicing Profit Per Loan BPS (MBA) |
Q2 2018 |
-3 |
Average Servicing Profit Per Loan BPS (MBA) |
Q1 2018 |
+4 |
Average Servicing Profit Per Loan BPS (MBA) |
Q4 2017 |
+1 |
Average Servicing Profit Per Loan BPS (MBA) |
Q3 2017 |
+96 |
Average Servicing Profit Per Loan BPS (MBA) |
Q2 2017 |
+1 |
Average Servicing Profit Per Loan BPS (MBA) |
Q1 2017 |
+12 |
Average Servicing Profit Per Loan BPS (MBA) |
2016 |
+20 |
Average Servicing Profit Per Loan BPS (MBA) |
2015 |
+3.57 |
Average Servicing Profit Per Loan BPS (MBA) |
2014 |
+4.23 |
Average Servicing Profit Per Loan BPS (MBA) |
2013 |
+14.26 |
Average Servicing Profit Per Loan $ (MBA) |
2014 |
+$99 |
Average Servicing Profit Per Loan $ (MBA) |
2013 |
+$257 |
Average Servicing Profit Per Loan $ (MBA) |
2012 |
+$27 |
Average Servicing Profit Per Loan $ (MBA) |
2011 Q4 |
+$58 |
Average Servicing Profit Per Loan $ (MBA) |
2011 Q3 |
-$28 |
Average Servicing Profit Per Loan $ (MBA) |
2011 Q2 |
+$64 |
Average Servicing Profit Per Loan $ (MBA) |
2011 Q1 |
+$65 |
Average Servicing Profit Per Loan $ (MBA) |
2010 Q4 |
+$139 |
Average Servicing Profit Per Loan $ (MBA) |
2010 Q3 |
-$41 |
Average Servicing Profit Per Loan $ (MBA) |
Q1-2009 |
-$1 |
Average Servicing Profit Per Loan $ (MBA) |
2008 |
-$19 |
Average Servicing Profit Per Loan $ (MBA) |
2007 |
$109 |
Average Servicing Profit Per Loan $ (MBA) |
2006 |
$58 |
Average Servicing Profit Per Loan $ (MBA) |
2005 |
$104 |
Average Servicing Profit Per Loan $ (MBA) |
2004 |
$21 |
Average Servicing Profit Per Loan $ (MBA) |
2003 |
-$170 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
Q2 2018 |
1,267 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
Q1 2018 |
1,084 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
Q4 2017 |
1,030 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
Q3 2017 |
1,136 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
Q2 2017 |
1,254 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
Q1 2017 |
1,359 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2016 |
1,229 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2015 |
1,166 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2014 |
931 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2013 |
1,002 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2012 Q4 |
1,076 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2012 Q3 |
1,111 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2012 Q2 |
1,045 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2012 Q1 |
980 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2011 Q4 |
967 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2011 Q3 |
869 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2011 Q2 |
1,013 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2011 Q1 |
959 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2010 Q4 |
955 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2008 |
740 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2007 |
1,398 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2006 |
1,207 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2005 |
1,330 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2004 |
1,218 |
Average Loans Serviced Per Full-Time Servicing Employee (MBA) |
2003 |
1,027 |