Deliveries of retail mortgages to the agencies were boosted by an increase in refinances in the wake of lower mortgage rates in the first quarter of 2026. (Includes two data tables.)
A new study found that using real estate agent-referred lenders not only increases borrowing costs for homebuyers but also shifts the burden of those costs disproportionately to the most vulnerable households.
Wholesale and retail lenders expanded their mortgage production more than correspondent aggregators in the origination boomlet that took shape during the final quarter of 2025. (Includes two data tables.)
The lender’s gain-on-sale margin increased from 1.14% in the third quarter to 1.50% in the fourth quarter, with a rise in originations to boot. Leaders at the company cautioned that some lenders are gaining market share at the expense of earnings.
Correspondent lenders lost market share to wholesale-brokers in agency securitizations as refinances made a strong comeback in the fourth quarter of 2025. Credit quality improved across the board. (Includes two data tables.)
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.
SoFi Bank posted an 18.2% quarterly increase in retail lending in the third quarter, while the market as a whole contracted. The bank is looking to cross-sell mortgages to its customers. (Includes two data tables.)
Wholesale-brokers and correspondent aggregators increased their market share in all three major product categories. Retail continued to lead conventional-conforming lending. (Includes two data tables.)
Agency securitizations rose slightly in the third quarter thanks to increased deliveries of retail loans. Credit quality improved very slightly. (Includes two data tables.)
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