Lower interest rates on mortgages are linked to an increase in birth rates, according to economists at the Federal Reserve and the Bank of England. Hard to believe? Read our story.

Application programming interfaces have the potential to create efficiencies in the mortgage industry, though standardization is key, according to leaders spearheading an effort at MISMO.

The Conference of State Bank Supervisors’ fintech initiatives, while focusing mainly on consumer lending, will ultimately benefit nonbank mortgage firms.

When it comes to mortgage-related M&A, 2019 was a bust, right? Well, not exactly. As for 2020, company sales will hinge on rates and loan production. Will weaker players be forced to exit?

The ways in which servicers interact with borrowers can play a major role in whether the lender/servicer will retain the customer, according to a Stratmor study. Borrowers tend to like email communication.

A Boston-based startup that provides an alternative to a traditional home equity loan raised $100 million to fuel its nationwide expansion.

Fraud risk on purchase mortgages increased in November after falling for six consecutive months, according to First American. The risk could be contained as long as interest rates stay relatively low.

A study by Zillow Research predicts that over the next two decades, more than a quarter of the nation’s currently owner-occupied homes are likely to hit the market. Places to feel the most impact will include retirement hubs.

No rate hikes in 2020? A totally “neutral” Fed? We’ll see about that. Meanwhile, non-QM lenders Angel Oak Mortgage Solutions and Citadel Servicing have bulls in their eyes.

Purchase-mortgage production is seen steady while refi activity is expected to decline. Low refi demand will cut into lenders’ profit margins. (Includes data chart.)