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Inside Mortgage Trends
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Payment-to-Income Ratios an Early Indicator of Mortgage Defaults

September 12, 2025
James Dohnert
Rising PTI ratios for credit cards, home equity lines of credit and student loans were most positively correlated with future mortgage delinquencies, according to new research from TransUnion.
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Rising Flood Insurance Costs Trouble Borrowers

September 12, 2025
Shannon Clark
A growing share of homeowners are more concerned about increasing flood insurance premiums than actual flood damage to their properties, according to new research by the CFPB.
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MSR Sales Ready to Rev Up Again

August 29, 2025
Paul Muolo
MSR sales have been sluggish this summer as bid prices spiked. But a rate cut by the Fed may cause values to wane, at least on 6% to 7% loans.
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Lenders Focusing on Streamlining Business

August 29, 2025
James Dohnert
Mortgage executives count on AI and automation to streamline business processes and reduce overall costs.
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MISMO Launches Confidence Score Standard for AVMs

August 29, 2025
James Dohnert
The new standard comes ahead of the Oct. 1 effective date for quality control standards that federal regulators announced last year.
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Trigger Lead Ban Pushes LOs to New Marketing Tactics

August 29, 2025
Shannon Clark
It’s not yet clear exactly when the Homebuyers Privacy Protection Act will take effect, but mortgage industry experts say loan officers should already be changing their marketing practices.
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Mortgage Tech Company reAlpha Takes Loss in 2Q

August 29, 2025
Abby Zimmardi
An artificial intelligence-powered real estate technology company, reAlpha Tech Corp., took a loss of $4.1 million in the second quarter of 2025.
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Rising Homeowner Insurance Costs Can’t Be Stopped

August 29, 2025
Abby Zimmardi
Insurance property costs are rising due to increased risk and damage from natural disasters, and are contributing to increases in delinquencies.
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Lenders Eye Agentic AI to Improve Margins

August 15, 2025
James Dohnert
Agentic AI is both proactive and autonomous, allowing for multi-step actions to be completed without human interactions.
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Ishbia Sets High Expectations for UWM Partnership With Bilt

August 15, 2025
Brandon Ivey
Bilt is a payments platform that offers rewards to consumers. The company recently received a $100 million investment from United Wholesale Mortgage at a valuation of $10.75 billion.
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