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Home » Topics » Inside Mortgage Trends » Purchase Lending

Purchase Lending
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Rising Costs, Uncertainty Dampen Housing Market

June 12, 2026
James Dohnert
Home prices are down in some areas, but inflation is more than offsetting any relief for homebuyers.
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Primary MI Volume Falls in 1Q; FHA Boosts Refi Share

May 29, 2026
Namrata Bhatia
The volume of loans with primary insurance coverage flowing into agency mortgage-backed securities declined during the first quarter of 2026. FHA refinances in agency MBS issuance were up 8.0%. (Includes two data tables.)
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Denial Rate for Conforming Mortgages Declines in 2025

May 29, 2026
Namrata Bhatia
Denial rates declined slightly last year even as more applicants flocked to get a mortgage. (Includes data table.)
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Real Estate Investor Sentiment Falls to New Low

May 18, 2026
Abby Zimmardi
Real estate investor sentiment plummeted in the first quarter of 2026 to the lowest level in the 11-quarter history of the survey, according to a recent survey from RCN Capital.
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Real Estate Agent-Referred Lenders Don’t Come Cheap

May 1, 2026
Dennis Hollier
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.
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DPA Programs Considered Key to Unlocking Purchase Market

April 3, 2026
James Dohnert
Loan officers can get a leg up against the competition by learning about available downpayment assistance programs.
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Homeownership Feels Impossible for Young People

April 3, 2026
James Dohnert
Young generations are investing in risky endeavors, such as day trading, sports betting and prediction markets, to build wealth instead of through homeownership.
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Tax Season Brings Challenges for Self-Employed Borrowers

March 20, 2026
James Dohnert
Self-employed borrowers are encouraged to watch what they write off if they plan to buy a home in the next two years.
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Bank Mergers and the Availability of Mortgage Credit

February 6, 2026
Dennis Hollier
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.
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Grapevine: Pulte Targets Score Costs; Mortgage Locks Down

January 9, 2026
Brandon Ivey
FHFA Director Pulte frustrated by credit bureaus; mortgage locks decline in December; Mr. Cooper plans layoffs in California.
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Latest Imf News

  • Correspondents Increase Share of Nonconforming Production

  • Two Harbors to Move Forward With Merger Vote

  • Succession Plan for FHA Commissioner Unclear

  • Refi Opportunities Available Despite Rate Uncertainty

More Imf News

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

More Featured Data

Featured Reports

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

  • Agency Channel Analysis: 1Q26 (PDF)

  • Guide to Mortgage Lending to First-Time Homebuyers

  • IMF HMDA Dashboard: 2025

More Latest Reports

Featured Poll

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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