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Inside Mortgage Trends
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Mortgage Banking Profits Up on Both Sides of the Business

June 12, 2026
John Bancroft
Production-related income rose in the first quarter despite slowing origination volume, while MSR hedges performed better. (Includes one data table.)
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MISMO Tool Helps Lenders Guard Against AI Risk

June 12, 2026
Abby Zimmardi
Unlike other AI guidance tools, the new mortgage-specific framework launched by MISMO is designed for organizations without big risk-focused teams.
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Industry Opposes Foreign Call Center Restrictions

June 12, 2026
Shannon Clark
In a joint comment letter, a dozen trade groups said the FCC’s proposed restrictions on foreign call centers are unnecessary because existing federal laws already impose “extensive” consumer protection, privacy and data security obligations on financial services providers.
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Banks’ Mortgage Earnings Decline in First Quarter

June 12, 2026
Brandon Ivey
Earnings were down compared with both the fourth quarter of 2025 and the first quarter of 2025. Some of the biggest banks don’t have particularly high hopes for their mortgage businesses this year. (Includes one data table.)
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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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Mortgage Repurchases by Banks Drop in First Quarter

June 12, 2026
Brandon Ivey
Repurchases were down nearly 20% compared with the fourth quarter of 2025. Reserves for repurchases also declined. (Includes one data table.)
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Guild Wins Appeal of Poaching Suit Against CCM

June 12, 2026
Brandon Ivey
The appeals court noted that California law allows employees to “make some preparations to compete” with an employer, but the law doesn’t authorize an employee to transfer their loyalty to a competing company.
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Denial Rates Spike for DTI Ratios Around 50%

June 12, 2026
Emmeline Willey
Mortgage denial rates increase significantly for applicants with debt-to-income ratios above 50%, according to researchers at the Federal Reserve Bank of St. Louis.
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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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Rocket Mortgage Begins Using VantageScore 4.0

May 29, 2026
Dennis Hollier
A senior executive at the mortgage giant provides a rare glimpse into the how the new credit score impacts lender operations.
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