The shift to lower-risk loans was particularly pronounced in the GSE refinance market, where streamlined property valuation was available for many mortgages. (Includes two data charts.)

California remained the top market for insured mortgage originations in the third quarter, though volume was up 16.6%, compared with a 19.1% increase nationwide. (Includes data chart.)

While AmeriHome, Caliber Home Loans and Guild Mortgage have noted strong profits and plans for growth, their business strategies differ widely.

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.

The holding company of Fulton Bank was hit with a $1.5 million fine by the SEC for misleading disclosures regarding MSR valuations in 2016 and 2017.

There’s plenty of evidence that housing isn’t as healthy as it appears. The most important data point is probably the increase in the rate of serious mortgage delinquencies, which reached 4.4% in the second quarter, the highest level since 2014.

So, you want to be a publicly traded company? Be prepared to made disclosures that normally might never see the light day. Both good and bad.

Most large banks ramped up retail originations significantly, but trends were more varied in secondary mortgage sales. (Includes two data charts.)

Retail lending reigned supreme in the second quarter as lenders facing an onslaught of consumer demand focused on the most efficient and profitable production strategy. (Includes two data charts.)

The volume of eMortgages purchased by Fannie and Freddie has grown more than fourfold since 2018, but it’s still a tiny fraction of their single-family business.