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Home » Topics » Inside Mortgage Trends » Purchase Lending

Purchase Lending
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Lenders Leaning on Tech, Customer Service and Pricing

January 22, 2021
Brandon Ivey
Lenders surveyed by Altisource cited technology as one of their biggest challenges, while also selecting technology enhancements as an important factor to increase business.
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AEI Finds Racial Bias by Appraisers is Uncommon

January 22, 2021
Maria Volkova
Researchers at the think tank focused on the presence of appraisal bias during refinancing transactions because such loans “lack an arm’s length transaction.”
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Fintech Lenders Face Risks from Faulty Underwriting Models

December 4, 2020
Brandon Ivey
The traditional models used to predict consumer credit performance and newer machine learning methods can be extremely inaccurate, according to a new report.
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Grapevine: Exactly How Much? / Crystal Ball Time

December 4, 2020
Paul Muolo
Time to start thinking about 2021? Sure, but lenders are plenty busy these days. The fourth quarter could be a barn-burner, just like 3Q20.
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Racial Disparities in Mortgage Lending Persist at Fintechs

November 20, 2020
Brandon Ivey
Moving the origination process online has done little to reduce the racial disparities in mortgage lending, according to a new analysis of HMDA data.
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Credit Model Reform Needed to Solve Housing Discrimination

November 20, 2020
Yemeng Yang
Incorporating alternative data into the underwriting model with rigorous front-end control may help eliminate racial inequality in housing, according to industry analysts.
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Grapevine: Buying High-Coupon MSRs / UWM’s SPAC a Go

November 20, 2020
Paul Muolo
There’s more than one way to skin an MSR cat. Meanwhile, looks like UWM’s SPAC will be completed in December.
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Homeownership Rate Flat in 3Q Despite Low Interest Rates

November 6, 2020
Brandon Ivey
Many potential buyers haven’t been able to take advantage of low mortgage rates because home prices have increased faster than income, limiting affordability.
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Uniformity and Collaboration Key to RON’s Success

October 23, 2020
Yemeng Yang
The coronavirus pandemic has sped the adoption of remote online notarizations, but uniformity and collaboration are critical for sustainability.
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TRID Too Costly? Try the Sandbox Program, Says CFPB

October 9, 2020
Yemeng Yang
The Independent Community Bankers of America said it plans to collaborate with the CFPB to test certain community bank-inspired improvements to the TRID rule through the trial disclosure “sandbox” program.
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Latest Imf News

  • 10-Year Treasury Rate Tops 5.1%, Hitting Lenders

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  • CHLA Highlights Freddie’s Limited MBS Purchases for Pulte

  • UWM Offers Expedited Underwriting Option; Chat App

More Imf News

Featured Data

  • Banks Continue to Add to Their ABS Portfolios

  • Jumbo Share of Originations Highest Since 2022

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  • Banks’ Mortgage Income Down in First Half

More Featured Data

Featured Reports

  • Mortgage Servicing Rights Report: 2Q26 (PDF)

  • Agency Seller-Issuer Profile: 2Q26 (PDF)

  • Mortgage Profitability Report 2Q26 (PDF)

  • 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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