urban institute nonprofit social and economic policy research

Housing Finance Policy Center

What’s behind the growing share of bank portfolio lending?

Banks are retaining more than one in four mortgages in their portfolios—the highest level in a decade—instead of selling them to the government-sponsored enterprises or private-label security holders. Why?

What's behind the growing share of bank portfolio lending?

The Housing Finance Policy Center (HFPC) was established to provide timely, impartial data and analysis, and to educate policymakers and the public on how the housing finance system affects households, communities and the broader economy. The goal of HFPC is to produce analyses and ideas that foster sound public policy, efficient markets, and economic opportunity.