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首页> 外文期刊>Atlantic economic journal >Broker Compensation Patterns and Trends: 2005-2009
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Broker Compensation Patterns and Trends: 2005-2009

机译：经纪人薪酬模式和趋势：2005-2009年

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摘要

Changes in the mortgage industry have been swiftly effected over the past few years. Many of the changes have come about as a response to the high level of observed delinquencies and defaults on residential mortgages as house prices plum meted, and others have evolved from continuing concerns about the treatment of borrowers during the mortgage origination process. The segmented mortgage industry of the early part of the decade, with loans being originated in the prime, subprime and government mortgage sectors, has been largely replaced with a bifurcated system. By year end 2010, the FHA/VA (government sector) combined with the conventional, conforming market share of originations was 90.8 %. In this paper, we examine some of the observed trends and changes in the types and levels of broker compensation that existed before the regulatory change that brought about the implementation of the Federal Reserve Board's (FRB) new loan officer compensation rule. Among other questions, we examine the variance in broker compensation across geographies, across lenders, across borrower types, and across loan products. The intent of this ex post analysis is to provide an understanding of the potential impacts of the declining broker industry on both access to mortgage loans and on the pricing of mortgage originations.
机译：抵押贷款行业的变化在过去几年中迅速发生了变化。许多变化是由于观察到的高水平的拖欠和住房抵押贷款违约而引起的，随着房价暴跌，而其他变化则源于对抵押贷款发起过程中对借款人待遇的持续关注。在本世纪初期，细分抵押贷款行业的贷款主要来自初级，次级和政府抵押部门，现在已被分叉的系统所取代。到2010年底，FHA / VA（政府部门）与传统的，一致的原始产品市场份额相结合，达到90.8％。在本文中，我们检查了一些观察到的趋势以及经纪人补偿类型和水平上的变化，这些变化以及导致实施美联储（FRB）新贷款官员补偿规则的法规变更之前已经存在。除其他问题外，我们研究了跨地区，跨贷方，跨借款人类型以及跨贷款产品的经纪人报酬的差异。事后分析的目的是让您了解不断下降的经纪人行业对抵押贷款的获取和抵押贷款定价的潜在影响。

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