Aarkstore Enterprise---post Crisis Changes In Mortgage Lending In U S - Analysis Forecast

Post Crisis Changes in Mortgage Lending in U.S. Analysis & Forecast

The U.S. has the worlds largest mortgage market; in 2009 the country had an outstanding mortgage-to-GDP ratio - above 100% - despite being very badly affected by the recent financial crisis. The report Post Crisis Changes in Mortgage Lending in the U.S. Analysis & Forecast, 2010-2015 is a market research study of recent changes in the U.S. residential mortgage industry. The report has five chapters Market Overview, Forecast & Analysis, Strategy Formulation, Case Studies, and Vendor Analysis.

Market Overview focuses on post crisis changes in the U.S. residential mortgage industry. It identifies top players and their market shares according to mortgage origination as well as servicing volume. Overall, the chapter contains the gist of recent changes or developments related to the industry.

The second chapter, Analysis & Forecast, contains estimates for residential mortgage originations till 2010. To forecast origination, this report recognizes thethree most important demand side factors and three most important supply side factors. The demand side factors include GDP, unemployment, and saving rate as a percentage of disposable income; and the supply side factors include inflation, mortgage rate, and new home starts.

The Strategy Formulation chapter features strategies followed by top players in the U.S. as well as by some offshore players in Australia, Bahrain, Hong Kong, the U.K. and other markets.

The Case Studies section discusses the impact of technology on mortgage lenders productivity. We have reviewed the role of mortgage technologies in improving the efficiency of lenders.

Vendor Analysis includes profiles of the top eight technology providers. To identify these, the first top 50 vendors were selected based on certain criteria. The top 50 vendors were analyzed on the basis of their developments to enhance products and services after January 2009; the top eight were then selected from these. The chapter also benchmarks profiled vendors




Table of Contents :



EXECUTIVE SUMMARY 10
1 INTRODUCTION 13
1.1 REPORT PURPOSE 13
1.1.1 REPORT CATALYST 13
1.1.2 REPORT STRUCTURE 13
1.2 RESEARCH OBJECTIVE 14
1.3 STUDY METHODOLOGY 14

2 MARKET OVERVIEW 16
2.1 INTRODUCTION 16
2.2 POST CRISIS MORTGAGE SCENARIO 20
2.2.1 FEAR OF FORECLOSURE LEADS TO REFINANCING 20
2.2.2 COSTLY FHA CREATES OPPORTUNITY FOR PRIVATE MORTGAGE INSURANCE 21
2.2.3 BANKS UNDER PRESSURE TO REPURCHASE MBS 22
2.2.4 BANKS PREFER REVERSE MORTGAGE 23
2.2.5 MARKET CONSOLIDATION 23
2.2.5.1 Mortgage A Consolidating Market 24
2.2.5.2 Residential Mortgage Lending Top Lenders 25
2.3 GOVERNMENT REVAMPS THE MORTGAGE INDUSTRY 26
2.3.1 MHA (MAKING HOME AFFORDABLE) PROGRAM 26
2.3.2 FEDERAL RESERVES MBS PURCHASE PROGRAM 27
2.3.3 TAX CREDITS TO BOOST HOME SALES 28

3 ANALYSIS AND FORECAST 30
3.1 INTRODUCTION 30
3.2 ANALYSIS OF DEMAND SIDE INDICATORS 30
3.2.1 NOMINAL GDP TO GROW OVER 3% BY 2015 30
3.2.2 HIGHEST UNEMPLOYMENT RATE SINCE 1984 31
3.2.3 SAVINGS RATE REDUCES FROM THE 2009 HIGH 34
3.3 ANALYSIS OF SUPPLY SIDE INDICATORS 35
3.3.1 REDUCING CORE INFLATION 35
3.3.2 MORTGAGE RATES AT THEIR LOWEST 37
3.3.3 HOUSING STARTS TO GROW FROM 2010 39
3.4 MORTGAGE ORIGINATION TO INCREASE AFTER 2011 40
3.4.1 MORTGAGE ORIGINATION WILL GROW AT 10% CAGR 42
3.4.2 FROM REFINANCE TO NEW PURCHASES 43

4 STRATEGY FORMULATION 44
4.1 INTRODUCTION 44
4.2 STRATEGIES ADOPTED BY U.S. BANKS 44
4.2.1 ACQUIRING TROUBLED LENDERS FOR EXPANSION 44
4.2.2 EFFORTS TO REDUCE DEFAULT RATES 50
4.2.3 EFFORTS TO CREATE AWARENESS & BRAND BUILDING 52
4.2.4 UPGRADING TECHNOLOGY 54
4.3 EARLY MOVERS WILL EXPLOIT OPPORTUNITIES IN NEAR-FUTURE 55
4.4 STRATEGIES FOLLOWED BY BANKS IN FOREIGN MARKETS 56

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From:Aarkstore Enterprise
Contact: Neel
Email: press@aarkstore.com
URL: www.aarkstore.com