There was a significant change in the share of government home-loan originations last month. Meanwhile, lenders took more risk with credit scores and debt-to-income ratios.

Exactly two-thirds of loan originations during January were conventional mortgages. The share was no different than the prior month and mildly wider than 65 percent a year prior.

Another 21 percent of last month’s production was loans insured by the Federal Housing Administration, up from 20 percent in December but off from 22 percent in January 2016.

Source: Mortgage Daily