VOGOSEN

Mortgage Finance Industry ESG Material Mapping

Sector: Financials

Key ESG Issues

FN-MF-270b.1(1) Number, (2) value, and (3) weighted average Loan-to-Value (LTV) ratio of mortgages issued to (a) minority and (b) all other borrowers, by FICO scores above and below 660
FN-MF-270b.2Total amount of monetary losses as a result of legal proceedings associated with discriminatory mortgage lending
FN-MF-270b.3Description of policies and procedures for ensuring nondiscriminatory mortgage origination
FN-MF-450a.1(1) Number and (2) value of mortgage loans in 100-year flood zones
FN-MF-450a.2(1) Total expected loss and (2) Loss Given Default (LGD) attributable to mortgage loan default and delinquency due to weather-related natural catastrophes, by geographic region
FN-MF-450a.3Description of how climate change and other environmental risks are incorporated into mortgage origination and underwriting
FN-MF-270a.1(1) Number and (2) value of residential mortgages of the following types: (a) Hybrid or Option Adjustable-rate Mortgages (ARM), (b) Prepayment Penalty, (c) Higher Rate, (d) Total, by FICO scores above or below 660
FN-MF-270a.2(1) Number and (2) value of (a) residential mortgage modifications, (b) foreclosures, and (c) short sales or deeds in lieu of foreclosure, by FICO scores above and below 660
FN-MF-270a.3Total amount of monetary losses as a result of legal proceedings associated with communications to customers or remuneration of loan originators
FN-MF-270a.4 Description of remuneration structure of loan originators

Materiality Taxonomy View

Selling Practices & Product Labeling Lending Practicesspecific issueDiscriminatory Lendingspecific issueSocial CapitaldimensiondimensionPhysical Impacts of Climate Change Environmental Risk to Mortgaged Propertiesspecific issueBusiness Model & Innovationdimension

Publicly-Traded Companies with These Key ESG Issues

ISINTickerCompany Name
AEA001201010AMLAKAmlak Finance PJSC
AU000000ABA1ABAAuswide Bank Ltd.
AU000000AFG9AFGAustralian Finance Group Ltd
AU000000ASS7ASSAsset Resolution Ltd
AU000000GMA5GMAGenworth Mortgage Insurance Australia Ltd
AU000000MOC5MOCMortgage Choice Ltd
AU000000N1H7N1HN1 Holdings Ltd
AU000000YBR5YBRYellow Brick Road Holdings Ltd
AU0000033094RMCResimac Group Ltd
AU0000GMACD3GMACDGenworth Mortgage Insurance Australia Ltd
AU0000RHGCD7RHGCDRHG Ltd
BD0622NHFIL3NHFINational Housing Finance And Investments Ltd
BG11000420576F3FairPlay Properties REIT
BRCYREACNOR7CYRE3Cyrela Brazil Realty SA Empreendimentos e Participacoes
CA04964G1000AIAtrium Mortgage Investment Corp
CA25471U1003DSVDiscovery Metals Corp
CA2945051027EQBEquitable Group Inc
CA3183231024FCFirm Capital Mortgage Investment Corp
CA33564P1036FNFirst National Financial Corp
CA4369131079HCGHome Capital Group Inc
CA68621H1082OICOrigin Gold Corp
CA7416041027PRIPrimeWest Mortgage Investment Corp
CA86326Q1081SCBStreet Capital Group Inc
CA88709B1040TFTimbercreek Financial Corp
CA89532L1031TZZTrez Capital Mortgage Investment Corp
CH0001341608HBLNHypothekarbank Lenzburg AG
CH0039074692LEERClientis Bank Leerau Genossenschaft
CH0318681860SLBUNS&L Bucheggberg
DE0005493365HYQHypoport AG
DK0060978476DJSDen Jyske Sparekasse A/S
ECP9583R1178CTHCorp de Desarrollo de Mercado Secundario de Hipotecas CTH SA
ES0109871030ALANTAquiles Inversiones SICAV SA
FR0012395457ML350Rapido Pret
GB00B2NGPM57PAGParagon Banking Group PLC
GB00BD822578CCFSCharter Court Financial Services Group PLC
GB00BFFK8T45AMGOAmigo Holdings PLC
GB00BFNSQ303UEXUrban Exposure PLC
GB00BQSBH502MAB1Mortgage Advice Bureau Holdings Ltd
GH0000000110RBGHRepublic Bank Ghana Ltd
HK0000134079145Hong Kong Building & Loan Agency Ltd/The
HK0605002077605China Financial Services Holdings Ltd
HU0000078175TAKAREKJTakarek Mortgage Bank Co PLC
INE001A01036HDFCHousing Development Finance Corp Ltd
INE115A01026LICHFLIC Housing Finance Ltd
INE148I01020IHFLIndiabulls Housing Finance Ltd
INE202B01012DEWHDewan Housing Finance Corp Ltd
INE216P01012AAVASAavas Financiers Ltd
INE217K01011RELHOMEReliance Home Finance Ltd
INE274E01015IHLLIndia Home Loan Ltd
INE289B01019GICHFGIC Housing Finance Ltd
INE477A01020CANFCan Fin Homes Ltd
INE520G01016ASYAAsya Infosoft Ltd
INE526R01010ASHFAkme Star Housing Finance Ltd
INE572E01012PNBHOUSIPNB Housing Finance Ltd
INE580B01029GRHFGRUH Finance Ltd
INE837C01013QGOQGO Finance Ltd
INE903G01014IHFCInternational Housing Finance Corp Ltd
INE926B01016PIFLTDPacheli Industrial Finance Ltd
INE962P01011BLFLBoston Leasing and Finance Ltd
INE969D01012IBHInd Bank Housing Ltd
IT0004195308MOLGruppo MutuiOnline SpA
JO2100911012JOFRJordan French Insurance
JO3110511016JMRCJordan Mortgage Refinancing
JP31099000058772Asax Co Ltd
JP31262900007198Aruhi Corp
JP37525000037192Mortgage Service Japan Ltd
KR7246690002246690TS Investment Corp
KYG3932P10461669Global International Credit Group Ltd
KYG4643B10321273Hong Kong Finance Group Ltd
LK0339N00008HDFCHousing Development Finance Corp Bank of Sri Lanka
LU0445408270ASPSAltisource Portfolio Solutions Sa
MN00MIK05421MIKMongolian Mortgage Corp
MXFHFH020001FHIPOConcentradora Hipotecaria SAPI de CV
NGABBEY00001ABBEYBDSAbbey Mortgage Bank PLC
NGASOSAVING3ASOSAVINASO Savings and Loans PLC
NGINFINITY01INFINITYInfinity Trust Mortgage Bank PLC
NGRESORTSAL1RESORTSResort Savings & Loans PLC
NGUNHOMES007UNHOMESUnion Homes Savings & Loans PLC
NO0010672900SUNSBMESunndal Sparebank
NZMYKE0001S9GENGeneral Capital Ltd
NZNZFE0001S4BGIBlackwell Global Holdings Ltd/New Zealand
PHY1660Y1074CSBCitystate Savings Bank Inc
PK0088001018SLLSME Leasing Ltd
PLBABY000016NOVNovina SA
PLFHDOM00010FHDFundusz Hipoteczny Dom SA
SG1M01001924SBDSingapura Finance Ltd
SG1S02002305SIFSing Investments & Finance Ltd
TN0001900604BHBanque de l'Habitat
US0012281053MITTAG Mortgage Investment Trust Inc
US00123Q1040AGNCAgnc Investment Corp.
US0016421077ACFLAMC Financial Holdings Inc
US00210T1025ASFJASFG Inc
US00687B1052ADFTADFITECH Inc
US02513P1003ACMCAmerican Church Mortgage Co
US03762U1051ARIApollo Commercial Real Estate Finance, Inc.
US0389231087ABRArbor Realty Trust, Inc.
US04013V1089ACREAres Commercial Real Estate Corporation
US0423155078ARRArmour Residential Reit, Inc.
US05465C1009AXAxos Financial Inc
US06652N1072BSVNBank7 Corp
US09257W1009BXMTBlackstone Mortgage Trust, Inc.
US1248XT1040CBMBCBM Bancorp Inc
US12661F1012CVHLCV Holdings Inc/United States
US14067E5069CMOCapstead Mortgage Corporation
US1646511014CHMICherry Hill Mortgage Investment Corporation
US16934Q2084CIMChimera Investment Corporation
US18979T1051CNFCNFinance Holdings Ltd
US19625T1016CLNCColony Credit Real Estate Inc
US23282C4015CYRBYCyrela Brazil Realty SA Empreendimentos e Participacoes
US2333472023DVLNDVL Inc
US2620771004DSDrive Shack Inc.
US26817Q8868DXDynex Capital Inc
US26826M1080ECROECC Capital Corp
US26952G1076EFBIEagle Financial Bancorp Inc
US2766501082ELCIEastern Light Capital Inc
US28252W1053BCOW1895 Bancorp of Wisconsin Inc
US28852N1090EFCEllington Financial Inc
US2885781078EARNResidential Ellington Mortgage Reit
US30068N1054XANExantas Capital Corp
US30258M1071FFBWFFBW Inc
US3131481083AGM/AFederal Agricultural Mortgage Corp
US3131483063AGMFederal Agricultural Mortgage Corp
US3134003017FMCCFederal Home Loan Mortgage Corp
US3135861090FNMAFederal National Mortgage Association
US31620R3030FNFFidelity National Financial, Inc.
US31847R1023FAFFirst American Financial Corporation
US33631P1021FSEAFirst Seacoast Bancorp
US3379307057FBCFlagstar Bancorp, Inc.
US36240A1016GUTGabelli Utility Trust
US37254N1046GNWTYGenworth Mortgage Insurance Australia Ltd
US38741L1070GPMTGranite Point Mortgage Trust
US38983C1045GAFLGreat American Financial Corp
US38983D3008AJXGreat Ajax Corp.
US40418F1084HFHff, Inc.
US41162R2076HBTCHarbourton Capital Group Inc
US4282951098HXHexindai Inc
US4327481010HTHHilltop Holdings Inc.
US44558T1007HCFTHunt Cos Finance Trust Inc
US45254P5089IMHImpac Mortgage Holdings, Inc.
US4529261087IORIncome Opportunity Realty Investors Inc
US46131B1008IVRInvesco Mortgage Capital Inc.
US4618041069ITICInvestors Title Company
US46614H4002JERTJER Investors Trust Inc
US47033P2056JMONJames Monroe Capital Corp
US5057431042LADRLadder Capital Corp
US52603B1070TREELendingtree, Inc.
US55272X1028MFAMFA Financial, Inc.
US55280E1047MBCQMB Bancorp Inc
US59548Q1076MSVBMid-Southern Bancorp Inc
US62482R1077COOPMr Cooper Group Inc
US6282992089MUTMMutual Merchant Services Inc
US64828T2015NRZNew Residential Investment Corp
US6496045013NYMTNew York Mortgage Trust, Inc.
US6533541008NXCRNexCore Healthcare Capital Corp
US66989V1070NOVCNovation Cos Inc
US6757463095OCNOcwen Financial Corporation
US68571X1037ORCOrchid Island Capital, Inc.
US68619E2081ORGNOrigen Financial Inc
US69324R1041PCSBPCSB Financial Corp
US69344M5076PMIRPMI Group Inc
US69447T8137PLIAXPacific Funds Core Income
US70153X1054PKKWParkway Acquisition Corp
US70931T1034PMTPennymac Mortgage Investment Trust
US70932M1071PFSIPennyMac Financial Services Inc
US7235611065PBFSPioneer Bancorp Inc/NY
US7436661091PCSOProtective Capital Structures Corp
US75574U1016RCReady Capital Corp
US7580754023RWTRedwood Trust, Inc.
US75954D1090RFNSReliant Financial Service Corp
US7620931029RBKBRhinebeck Bancorp Inc
US78590A1097SACHSachem Capital Corp.
US85303B1008STNDStandard AVB Financial Corp
US85571B1052STWDStarwood Property Trust, Inc.
US8603721015STCStewart Information Services Corporation
US90187B4086TWOTwo Harbors Investment Corp.
US9140901052UNIBUniversity Bancorp Inc/Ann Arbor MI
US9254902037VRTAVestin Realty Mortgage I Inc
US92549X4097VRTBVestin Realty Mortgage II Inc
US93148P1021WDWalker & Dunlop, Inc.
US95790D1054WMCWestern Asset Mortgage Capital Corporation