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Home » Topics » Inside Mortgage Trends » Profitability

Profitability
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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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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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VantageScore Touts Benefits of New Score

August 1, 2025
Dennis Hollier
The use of positive rental payment data and cash flow underwriting in new credit score models is expected to increase the number of borrowers that qualify for mortgages.
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Rocket Working Toward ‘Refi Button’ Amid Acquisitions

August 1, 2025
Brandon Ivey
Rocket Mortgage is leaning on artificial intelligence to improve lending efficiency. The nonbank is wrapping up its acquisition of Mr. Cooper and already seeing benefits from its acquisition of Redfin.
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Grapevine: Rate Outlook; Slower Home Price Appreciation

August 1, 2025
Brandon Ivey
Mortgage rates aren’t expected to move down much even if the Fed cuts interest rates next month; GSE economists slash projections for home price appreciation; ICE integrates origination and servicing platforms to originate home equity loans; majority of homeowners feeling financially stressed.
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Grapevine: Rocket Shareholder Lawsuit Fails; Pulte Presses on Costs

June 6, 2025
Brandon Ivey
Rocket prevails in shareholder lawsuit alleging insider trading; FHFA director looking into mortgage costs; mortgage tech vendor seeing interest from potential buyers.
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How AI Is Revolutionizing Mortgage Lending

May 23, 2025
Dennis Hollier
Rent payment history and bank account income verification are just the start. Machine learning algorithms also promise better risk assessment and more accurate pricing for that risk.
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Grapevine: Recapture Concerns; Rocket Eases Fitch’s Fears

May 9, 2025
Brandon Ivey
Rosy recapture-rate projections prompt some pushback; Fitch removes Rocket from downgrade watch; PennyMac upsizes debt offering; MISMO seeking comments.
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Servicing Drags Down Income at PennyMac, Mr. Cooper

April 25, 2025
Brandon Ivey
The nonbanks took negative marks on their large holdings of mortgage servicing rights as hedges didn’t fully offset a decline in interest rates on mortgages during the first quarter.
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Latest Imf News

  • Ginnie Gains More Servicing Share During First Quarter

  • Fed’s Warsh Unlikely to Drive Down Interest Rates on Mortgages

  • CFPB Rescinds 2020 Opinion on Special Purpose Credit Programs

  • New Investors Entering Market for Non-Agency MBS

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Featured Data

  • Ginnie Issuance Down in May as Refis Slump

  • Jumbo Servicing Volume Bumps Higher in 1Q

  • Non-Agency Jumbo Lending Drops in First Quarter

  • REITs Boost MBS Holdings, AGNC Rises to Top Investor

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Featured Reports

  • GSE Repurchase Activity: Cumulative Through Fourth Quarter 2025 (PDF Format)

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  • Guide to Mortgage Lending to First-Time Homebuyers

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

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