Researchers at the FRB of Richmond demonstrate how banks that gain local market share by acquiring an existing bank are likely to decrease FHA lending even while increasing conventional lending.

Decline in mortgage applications; new borrower relationship management tool; mortgage lock volume increases modestly.

The total delinquency rate on loans in agency MBS reached 3.71% at the end of 2025. The last time delinquencies were at that level was early 2021 as the market was recovering from the impact of the pandemic. (Includes data table.)

Mortgage lenders are partnering with student loan debt repayment services as a pathway to drive business with new and existing borrowers.

Truist is using an AI tool from Dark Matter Technologies for underwriting processes while having humans validate the results. Meanwhile, MISMO is working on a framework for AI.

Players in the non-agency market are touting the benefits of thoughtfully using artificial intelligence for debt service coverage ratio loans and residential transition loans.

Homeowners are increasingly tapping into their home equity as part of a strategic planning process given uncertainties in the economy.

Ohio-based Credit union service organization myCUmortgage originated $994 million in mortgages last year through 4,045 partners.

GSE refi business jumped and shifted toward borrowers with higher credit scores during the fourth quarter. With purchase mortgages, lenders also put a greater emphasis on LTV ratios below 81%.

AI is expected to be increasingly used by both lenders and borrowers thanks to improvements in the seemingly ubiquitous tech.