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Latest News

  • Fannie Economists Hike Projection for Interest Rates

    June 24, 2025
    Economists at Fannie Mae project that the interest rate for a 30-year fixed-rate mortgage will average 6.5% during the fourth quarter of 2025.
  • Repurchase Activity by Banks Declines in First Quarter

    June 24, 2025
    Repurchases and indemnifications by banks and thrifts for residential mortgages declined by 16.3% on a quarterly basis in the first quarter of 2025.
  • Servicers Seek to Retain Some Pandemic Servicing Policies

    June 24, 2025
    The Mortgage Bankers Association and the American Bankers Association separately called for the CFPB to keep an anti-evasion exception established during the pandemic to help facilitate loan modifications.
  • Rocket Offering Bridge Loans for Homebuyers

    June 24, 2025
    The homebuyer must have a purchase mortgage from Rocket to be eligible.
More Latest News

Latest Data

  • Top Firms in Owned Mortgage Servicing: 1Q25 (PDF)

  • Top Correspondent Producers: 3M25 (PDF)

  • Top Jumbo Correspondent Sellers: 2024 (PDF)

  • Top Primary Mortgage Servicers: 1Q25 (PDF)

  • Top Mortgage Originators: 3M25 (PDF)

  • Top Players in Bulk Agency MSR Transfers: 3M25 (PDF)

More Latest Data

Latest Reports

  • IMF HMDA Dashboard: 2024

  • Mortgage Profitability Report 1Q25 (PDF)

  • 2025 Mortgage Market Statistical Annual

  • Top Mortgage Players: 4Q24 (PDF)

  • Mortgage Servicing Rights Report: 1Q25 (PDF)

  • Lender Profiles 4Q24: Top 25 (PDF)

  • Agency Channel Analysis: 1Q25 (PDF)

  • GSE Repurchase Activity: Cumulative to Fourth Quarter 2024 (PDF Format)

More Latest Reports

Featured Data

  • Issuance

    Greenish Shoots in GSE Issuance in May

    Deliveries to Fannie and Freddie rose last month even as the GSEs’ market share is the lowest since the global financial crisis. (Includes two data tables.)
  • Earnings

    Mortgage Earnings at Banks Spike in First Quarter

    Mortgage-banking income at banks increased by 65.6% on a sequential basis in the first quarter. Losses were rare among 358 banks reporting mortgage activity in call reports, though Bank of America took a hit. (Includes data table.)
  • Investors

    Banking Companies Ramp Up MBS Holdings in 1Q25

    Bank holding company trading accounts showed a 21% surge in residential MBS during the first quarter, mostly involving agency MBS holdings among the largest institutions. (Includes two data tables.)
  • Originations

    Jumbo Market Splinters With Conforming-Jumbo Slowdown

    Agency securitization of high-balance loans declined by 46.0% in the first quarter. The non-agency jumbo share of first liens was flat compared with the fourth quarter while the agency high-balance share dwindled. (Includes three data tables.)
  • Funding

    Signs of Life in Warehouse Lending, But No Boom

    Originations in the primary market are up, but not exactly flourishing. That’s so-so news for warehouse banks who — like everyone else — are waiting for interest rates to decline more dramatically. (Includes data table.)
  • Jumbo

    Jumbo Share of Originations Ticks Up in First Quarter

    Non-agency jumbos accounted for 13.8% of total first-lien originations in the first quarter of 2025, compared with an 11.1% share in the first quarter of 2024. Chase remained the top jumbo producer and Redwood Trust is gaining momentum. (Includes data table.)

Inside Mortgage Finance

  • Residential Servicing Growing Fastest in Non-GSE Sectors

    Servicing outstanding increased by 2.8% on an annual basis as of the end of the first quarter of 2025. The largest gains in servicing during that time were seen at Ginnie Mae, whole loans at non-depository institutions and non-agency mortgage-backed securities. (Includes two data tables.)
  • MBA Suggests Single Credit Report Model for GSE Loans

    The Mortgage Bankers Association has suggested the FHFA end its tri-merge process, replacing it with a single credit report rather than the bi-merge model as currently planned.
    • Cenlar Launching Warehouse Lending and Conduit

    • With Asset Cap Off, Wells Plans Growth Outside of Mortgages

    More Inside Mortgage Finance

Inside MBS & ABS

  • Investors Flock to Agency MBS, RMBS Sets the Pace

    June 20, 2025
    Insurance companies, pension funds and bank holding companies grew their agency MBS holdings substantially in the first quarter. Most of the market’s growth was in Ginnie and non-agency MBS. (Includes two data tables.)
  • SEC Considering Updates to Reg. AB2 Standards

    June 20, 2025
    Years after the agency first sought public comments on the regulation, the SEC’s Office of Structured Finance is interested in taking another crack at finding ways to improve the rules for ABS.
  • Fannie Partners With Bayview on CRT Transaction

    June 20, 2025
    Fannie will take the first losses on the transaction, with additional losses borne by Bayview and investors in the deal. That’s a change from the typical CRT from Fannie where a third-party like Bayview isn’t involved.
  • Do Lenders Unload Climate Risk Onto the GSEs?

    June 20, 2025
    New studies show that the expectation of future climate risk effects the current behavior of lenders and CRT can be used to estimate the true cost of hurricane risk.
More Inside MBS & ABS

Poll

As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

View Results

Inside Nonconforming Markets

  • Non-QM Market Evolving With Room for Growth

    June 13, 2025
    Leaders in the non-qualified mortgage space see promise in artificial intelligence, ample liquidity and the need for better marketing.
  • Bank Mortgage Holdings Tad Down in First Quarter

    June 13, 2025
    Banks and thrifts have largely added to their overall holdings of residential first liens each quarter dating back to 2021. The decline seen in the first quarter of 2025 included a sharp drop in ARMs. (Includes data table.)
  • Non-QM Marketing Falls Short, Lenders Warn

    June 13, 2025
    Players in the non-QM market believe the sector is lacking in awareness and education.
  • Originations of Short-Term Loans Soar in 2024

    June 13, 2025
    Short-term mortgages track residential transition loans and fix-and-flip loans. Last year, originations were up 34.6% compared with 2023. (Includes data table.)
More Inside Nonconforming Markets

Videos

  • Svcgtitlecard
    Mortgage Servicing, by the numbers
  • Freedom 1q24 titlecard
    Quick Look at Freedom Mortgage 1Q24
  • Qmpatchthumbnail3
    QM Patch

Inside Mortgage Trends

  • Retail Share of Originations Slips Across Loan Types

    June 20, 2025
    The retail channel lost market share in conventional-conforming, government-insured and nonconforming originations in the first quarter of 2025. (Includes two data tables.)
  • HUD Counseling Services Save Lenders Time, Money

    June 20, 2025
    HUD housing counseling services help streamline the application process for borrowers, saving originators time and money, panelists said last week at MISMO’s spring summit in Boston.
  • Bank Retail Originations and Loan Sales Decline in 1Q25

    June 20, 2025
    Although mortgage production and loan sales fell in the first quarter of 2025, banks and thrifts saw a significant increase in income from mortgage-banking operations. (Includes two data tables.)
  • Correspondent Non-QM Lenders Tout Benefits of Channel

    June 20, 2025
    Officials that operate non-QM correspondent platforms suggest that mortgage brokers can see success by shifting channels.
More Inside Mortgage Trends

Inside FHA/VA Lending

  • Ginnie Issuance Strengthens in May, Refinances Lead

    Issuance of both purchase mortgages and refinances increased last month, with refi volume hitting its highest level since November. Most Ginnie issuers in the top 10 beat the overall monthly growth. (Includes two data tables.)
  • FHA Budget Would Grow Under Trump Proposal

    Appropriations to the FHA for administrative expenses would increase by $10 million over fiscal year 2025 funding levels under the Trump administration’s discretionary budget proposal.
  • FHA Changes Engagement Rules for Servicers

    FHA revised policies governing how servicers must engage with delinquent borrowers for loss-mitigation discussions. FHA said the changes will help servicers save on costs.
  • VA Partial Claims Bill Makes Some Progress in Senate

    A second bill that would authorize the Department of Veterans Affairs to establish a partial claim program has joined a similar House-approved measure in the Senate Veterans Affairs committee’s pipeline.
More Inside FHA/VA Lending

Premium Newsletter Content

  • Inside Mortgage Trends

    Retail Share of Originations Slips Across Loan Types

    The retail channel lost market share in conventional-conforming, government-insured and nonconforming originations in the first quarter of 2025. (Includes two data tables.)
  • Inside Mortgage Finance

    Residential Servicing Growing Fastest in Non-GSE Sectors

    Servicing outstanding increased by 2.8% on an annual basis as of the end of the first quarter of 2025. The largest gains in servicing during that time were seen at Ginnie Mae, whole loans at non-depository institutions and non-agency mortgage-backed securities. (Includes two data tables.)
  • Inside Nonconforming Markets

    Non-QM Market Evolving With Room for Growth

    Leaders in the non-qualified mortgage space see promise in artificial intelligence, ample liquidity and the need for better marketing.
  • Inside MBS & ABS

    Investors Flock to Agency MBS, RMBS Sets the Pace

    Insurance companies, pension funds and bank holding companies grew their agency MBS holdings substantially in the first quarter. Most of the market’s growth was in Ginnie and non-agency MBS. (Includes two data tables.)
  • Inside the CFPB

    Republicans Face Setback in Zeroing Out CFPB Funding

    The Senate parliamentarian has advised Republicans that they cannot use the budget reconciliation process to eliminate the CFPB’s funding from the Federal Reserve.
  • Inside The GSEs

    GSE Seller Buybacks Ease in 1Q, Unresolved Claims Up

    Seller buybacks of defective loans declined in the first quarter of 2025, and the GSEs also reported an increase in withdrawn claims. The pipeline of unresolved cases was up. (Includes three data tables.)
  • Inside FHA/VA Lending

    Ginnie Issuance Strengthens in May, Refinances Lead

    Issuance of both purchase mortgages and refinances increased last month, with refi volume hitting its highest level since November. Most Ginnie issuers in the top 10 beat the overall monthly growth. (Includes two data tables.)

Inside The GSEs

  • GSE Seller Buybacks Ease in 1Q, Unresolved Claims Up

    Seller buybacks of defective loans declined in the first quarter of 2025, and the GSEs also reported an increase in withdrawn claims. The pipeline of unresolved cases was up. (Includes three data tables.)
  • GSEs Close to Implementing Appraisal Changes

    As the seven-plus-year redesign of the UAD and the URAR nears completion, the GSEs prepare industry stakeholders for the changes.
    • Advocates Look to Link GSE Reform, Affordable Housing

    • Updates to the GSEs’ Seller/Servicer Guides

    • Rental Income, Undisclosed Liabilities Top Defects

    More Inside The GSEs
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