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Home » Topics » Inside Mortgage Trends » Refi Lending

Refi Lending
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Loan Retention Still Key Even as Refis Slow

October 16, 2026
James Dohnert
Lenders see recapture programs as a growth opportunity as origination volume is expected to decline next year.
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Better Launches Token-Based Mortgage With Coinbase

September 4, 2026
James Dohnert
Better plans to refocus its efforts on partnerships and one of its first big partners is cryptocurrency exchange Coinbase.
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Nonbanks See Decline in Mortgage-Banking Income in 2Q

August 21, 2026
James Dohnert
A group of 13 publicly traded nonbank lenders reported a combined $2.20 billion in mortgage-banking income for the second quarter, down 32.3% from the first quarter. (Includes data table.)
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Mortgage Defect Rate Posts Biggest Quarterly Jump in 4 Years

August 21, 2026
James Dohnert
A brief increase in refinance activity during the first quarter of 2026 pushed the defect rate to a recent high, according to ACES Quality Management.
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Lenders See Boost From Proprietary Reverse Mortgages

August 21, 2026
James Dohnert
Proprietary reverse-mortgage originations are hitting record highs, helping boost lender production during a spring slowdown.
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Better Shifts From Founder Mode to Enterprise Focus

August 7, 2026
Brandon Ivey
Daniel Lewis, the new interim CEO of Better Home & Finance, wants the company to focus on “very select ideas that have a demonstrated product market fit.”
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Economics Justify Use of Retirement Funds for Downpayments

July 24, 2026
Dennis Hollier
An Urban Institute study shows that the internal rate of return of a downpayment on a home often exceeds that of a diversified stock portfolio, especially in low-growth real estate markets.
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Lenders Looking at AI to Reduce Appraisal Risks

July 10, 2026
James Dohnert
Artificial intelligence and stronger due diligence efforts can help reduce growing instances of appraisal fraud, according to mortgage investors and appraisers.
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Primary MI Volume Up in 2Q, Led by FHA and VA

July 10, 2026
Brandon Ivey
The FHA/VA share of agency business with primary mortgage insurance increased during the second quarter for both purchase mortgages and refis. In the first half of 2026, purchase-mortgage volume with primary MI was up only 2.7% from the first half of 2025. (Includes two data tables.)
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NEXA Lending Founder Launches Servicing Platform

July 10, 2026
James Dohnert
The new servicing platform, evoLend, is focused on helping loan officers retain borrower business long after closing.
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