按地区公布抵押贷款准备情况和住房负担能力.pdf

1、1Unveiling Mortgage Readiness and Housing Affordability by Geographies07 May 2024Michele Raneri2 2024 TransUnion LLC All Rights Reserved3AgendaSource:TransUnion Consumer Credit DatabaseGiven the current high mortgage rates,historically high level of home prices,and low housing inventory,lenders may

2、find it challenging to target consumers who may be able to afford a mortgage.In this study,we will focus on the following:Section 1:Market forces affecting purchase and refinance originationsSection 2:Specifically looking into purchase originations,we will examine factors that can help identify cons

3、umers who maybe able to afford a mortgageSection 3:Implementing our learnings from prior section,we will perform scenario analysis on what affordability would look like if market forces change e.g.rates decrease,credit scores improveSection 4:Best practices that you can implement to take advantage o

4、f these findings 2024 US Financial Services Summit 2024 TransUnion LLC All Rights ReservedSection 1:Market forces affecting refinance and purchase originations4 2024 TransUnion LLC All Rights Reserved5Refinance and purchase originations may have seen the bottom given the prospect of rates dropping t

5、oward the end of this yearMortgage Purchase and Refinance Origination VolumeOrigination VolumeQuarter30 Year FRM Rate2024 Q4,6.10%0%1%2%3%4%5%6%7%8%0.0M0.5M1.0M1.5M2.0M2.5M3.0M3.5M4.0M4.5M2005 Q12005 Q42006 Q32007 Q22008 Q12008 Q42009 Q32010 Q22011 Q12011 Q42012 Q32013 Q22014 Q12014 Q42015 Q32016 Q2

6、2017 Q12017 Q42018 Q32019 Q22020 Q12020 Q42021 Q32022 Q22023 Q12023 Q42024 Q3Purchase ActualRefinance ActualPurchase ForecastRefinance Forecast30 Yr FRM Rate Actual30 Yr FRM Rate ForecastSource:TransUnion Consumer Credit Database|Freddie Mac|MBA Finance Forecast Archives(Jan 2024)2024 TransUnion LLC