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Category: Managers

Month-to-Date lock Volume
Capital Markets, Managers, Originators

Month-to-Date lock Volume

by James Baublitz 07/09/2019

Month-to-date lock volume increased a little over 27% as compared to the same time last month on the back of the recent market rally.  Interestingly, the purchase-refi mix remained almost identical compared to this the same time last month at roughly 56% purchase and 44% refinance.  The distribution of locked loans remained relativity constant as…

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Credit Spotlight - Government Loans
Managers, Originators

Credit Spotlight - Government Loans

by admin 07/08/2019

Month over month there was a 44% increase in GOVT volume into the >90% LTV / <680 FICO with the largest portion of this shift coming from 60-90% LTV / 720-799 FICO ranges.  This shows a marked increase in higher risk credit in the FHA/VA sector as the second quarter closes out. We welcome ideas…

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Peer and Channel Pull-through Analysis – Q1 2019
Capital Markets, Managers

Peer and Channel Pull-through Analysis – Q1 2019

by Frank Poiesz 07/02/2019

The above chart describes pull-through for loans locked in CompassPoint™ during the first quarter of 2019, as measured on June 30, 2019.  Compass distinguishes between total pull-through (WA Pull Thru in the chart) and clean pull-through (WA Clean Pull Thru in the chart).  Total pull-through is the percentage of locked loans that closed by the…

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Locks by Product Share
Capital Markets, Managers, Originators

Locks by Product Share

by Frank Poiesz 07/02/2019

The chart above shows the dollar distribution of locks by Agency product for the top 10 products locked in June.  The modest shift of volume to shorter terms from May to June is consistent with the increase in refinance share of locks stemming from the current rate environment.  High balance also had a strong showing,…

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Credit Spotlight - Conventional Loans
Data Central, Managers, New Page Examples, Originators

Credit Spotlight - Conventional Loans

by Frank Poiesz 07/01/2019

Month over month shifts in credit quality are consistent with the increase in refinance activity in the current market.  High-quality MI eligible loans saw increases month over month, with volume shifting from higher-risk LTV tranches.  Interestingly, the 60-80% LTV high FICO tranches also cooled by about .40% in volume, shifting into the >80-90% LTV range. …

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Market Update 06/28/19
Capital Markets, Managers

Market Update 06/28/19

by Jason Freydberg 06/26/2019

The treasury yield curve has steepened since May and the 2-10 year spread currently equals 27bps, up 12bps from May month-end.  The rally in US treasuries, caused by economic uncertainty and the likelihood of the fed lowering the Fed Funds rate on July 31, 2019, has pushed benchmark yields to multiyear lows.   The 10 year…

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Compass Analytics is an innovator in the FinTech industry and a leading provider of pricing technology to lenders.  We develop cutting-edge mortgage analytics, and offer advisory and active risk management services to mortgage bankers, traders, investors, and banks.  Our platform is revolutionizing the way home loans are formed and sold through the use of innovative real-time technology that we support with services, expertise, and guidance.

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