PHH Webinar Series; Agencies to Buy One Month's Worth of Production - Similar to 2020; In-Person Events for 2026 A frequent topic in this Commentary is how lenders are responsible for only a small portion of the affordability issue. A big hit to affordability is insurance, and thank you to Kevin K. for passing along this story focused on fire resilience and home upgrades and how they may address insurance costs. Trying to plan for natural events is a full-time job that occupies many, as is thinking about t ...

住房抵押贷款市场趋势 - 美国购房者的平均信用评分在2023年10月攀升至736的历史新高[1] - 抵押贷款信用评分比全国平均水平高出约20点[2] - 获批抵押贷款的平均信用评分在2023年跃升至736，为有记录以来最急剧的增长[4] 市场环境与驱动因素 - 尽管抵押贷款利率已从峰值有所下降，但月供仍远高于几年前的水平[2] - 当前环境自然筛选掉了资质较差的买家，尤其是首次购房者或信用记录较浅者[2] - 购房者群体越来越多地由高收入和财务稳定的家庭组成，特别是那些信用良好、首付较高的家庭[2] - 贷款机构因逾期率上升而变得更加谨慎，更倾向于低风险申请人[3] - 全国逾期率在8月份上升16个基点至3.43%，较去年同期上升10个基点[3] 贷款机构行为变化 - 贷款机构因更高的逾期率而变得更加谨慎，更倾向于低风险的申请人[3]