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Home » Topics » Inside Mortgage Trends » Refi Lending

Refi Lending
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Lenders See Benefits, Challenges With eClosing

January 17, 2025
Brandon Ivey
While electronic closings offer faster turn times, adoption of the technology comes with some complications. Still, the share of eNotes is expected to triple by 2028.
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Mortgage Servicers Complicate Divorce Process

January 17, 2025
Dennis Hollier
Recently divorced or widowed homeowners told the CFPB that mortgage servicers sometimes say they must refinance, even when they should be able assume the existing mortgage.
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Grapevine: FCC Warns of Spoof Calls; Rocket Starts Rebrand

January 17, 2025
Brandon Ivey
FCC warns scammers are successfully impersonating mortgage companies; Rocket begins first phase of rebrand; household growth expected to slow; MBA expands college program; Lower acquires technology vendor; MTC increases transparency on MSR valuations; Voxtur Analytics considering a sale; automated loan mod offering.
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Fannie Details Warning Signs for Occupancy Status

January 3, 2025
Dennis Hollier
The quality control team at Fannie Mae identified “red flags” that could indicate borrowers have mischaracterized whether they’re seeking a mortgage for a primary residence or for a second home or investment property.
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Grapevine: Momentum for Trigger Leads Bill; Boomer Equity

January 3, 2025
Brandon Ivey
With Rep. Patrick McHenry, R-NC, no longer in Congress, legislation to limit trigger lead activity could see a boost; baby boomers expected to pass along home equity to heirs; two banks reposition portfolios; Clever Real Estate adds servicing clients.
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Fed Researchers Quantify the Lock-In Effect

December 13, 2024
Dennis Hollier
Federal Reserve researchers found that pandemic-era interest rates reduced mobility by 44%, as many homeowners are reluctant to let go of their low interest rates.
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Grapevine: Loan Limits to Increase 5.2%; Rejection Rate Up

November 27, 2024
Brandon Ivey
FHFA announces 2025 conforming loan limits; rejection rate for refis hits survey high; home sales projected to increase; split in home price trends based on location; signs of stabilization for property insurance.
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Borrowers Turn to Advisory-Focused Lenders for Guidance

November 15, 2024
James Dohnert
A more challenging housing market has led more homebuyers to seek guidance from loan officers, according to a new J.D. Power survey.
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Grapevine: Mortgage Industry All In on AI, Borrowers Have Concerns

November 1, 2024
Brandon Ivey
Lenders, servicers and tech vendors are touting their latest products that include AI; many borrowers don’t appear to be ready to embrace AI in the mortgage process; and a handful of non-AI announcements.
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Mesa Raises Funding for Homeowner Rewards Program

October 4, 2024
James Dohnert
Mesa’s funding round included investments from Vera Equity, Redwood Trust Horizons and Clocktower Ventures.
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Latest Imf News

  • Mortgage Buyback Activity at Banks Down Somewhat in 3Q

  • NCRC Launches Fair Lending Tip Line

  • Locks for Refis Trail Off in November

  • Citi Broadens Prime Non-Agency MBS Issuance With Higher LTV Ratios

More Imf News

Featured Data

  • Nonbanks Post Small Drop in Mortgage-Banking Income

  • Bank MSR Portfolios Shrink Slightly, Valuation Strong

  • Bank ABS Holdings Decline in 3Q25, Auto Portfolios Grow

  • Lending Slows Across Products in Third Quarter

More Featured Data

Featured Reports

  • Lender Profiles 2Q25: Top 25 (PDF)

  • GSE Repurchase Activity: Cumulative to Second Quarter 2025 (PDF Format)

  • Mortgage Profitability Report 2Q25 (PDF)

  • IMF HMDA Dashboard: 2024

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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