Mortgage Borrowing Drops: Q4 2005
Posted By John Schroy On 9th March 2006 @ 18:03 In Agencies, Mortgages, Individual Investors | Comments Disabled
Total mortgage borrowing fell 6.6% during Q4 2005, compared to the previous quarter, according to Federal Reserve flow of funds [1] table F217.
Mortgage borrowing by households fell even more, down 11.7% compared to Q3 2005.
Two-thirds of mortgage financing came from agencies (e.g., Fannie Mae) and issuers of asset-backed securities.
The rapid withdrawal of borrowers from the home mortgage market, as interest rates rose in Q4 2005, suggests that much of the borrowing over the last year or so was probably opportunistic, stimulated by low interest rates and aggressive marketing (e.g., Ditech.com)
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URL to article: http://capital-flow-analysis.com/capital-flow-watch/mortgage-borrowing-drops-q4-2005.html
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[1] table F217: http://capital-flow-analysis.info/flow-of-funds/F217.htm
[2] asset backed securities: http://capital-flow-analysis.com/capital-flow-watch/index.php?tag=asset-backed-securities
[3] fannie mae: http://capital-flow-analysis.com/capital-flow-watch/index.php?tag=fannie-mae
[4] households: http://capital-flow-analysis.com/capital-flow-watch/index.php?tag=households
[5] interest rates: http://capital-flow-analysis.com/capital-flow-watch/index.php?tag=interest-rates
[6] mortgage market: http://capital-flow-analysis.com/capital-flow-watch/index.php?tag=mortgage-market
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