The quarterly Survey of Mortgage Originators was initiated in the spring of 2014 to track the effects of the qualified mortgage (QM). Over time the survey expanded to track origination trends as well as lenders’ their willingness to originate different types of products. The survey also functions as a bellwether for originators’ perspective on regulatory and market changes.
The New Year brought a slew of regulatory changes that impact the GSEs, FHA, VA, and the market in general.
This survey measures lender expectations of market conditions and capacity as well as current policy issues, including changes at the RHS and lending headwinds.
This survey highlights changes related to the QM rule, originators’ impressions of market dynamics, FHA, FHFA, and new credit scoring models.
This survey asked a sample of mortgage lenders about the impact of the QM rule three months after their January 2014 implementation, and about the impact of changes to the FHA program.
This survey asks a sample of mortgage lenders about the QM rule’s impact on their business and how the rule could in turn impact consumers.
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