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Inside Mortgage Trends

July 10, 2026

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LTV Ratios on GSE Deliveries Up in Second Quarter

The share of GSE purchase mortgages with LTV ratios above 80% increased during the second quarter to a level last seen in 2023. However, lenders held firm on credit scores and the high-LTV-ratio share of refi business declined. (Includes two data tables.) Read More

Product Innovation Key for Growing Non-QM Market

Lenders are innovating their product offerings to meet the growing demand for non-qualified mortgages. Read More

Lenders Looking at AI to Reduce Appraisal Risks

Artificial intelligence and stronger due diligence efforts can help reduce growing instances of appraisal fraud, according to mortgage investors and appraisers. Read More

Primary MI Volume Up in 2Q, Led by FHA and VA

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.) Read More

NEXA Lending Founder Launches Servicing Platform

The new servicing platform, evoLend, is focused on helping loan officers retain borrower business long after closing. Read More

UWM’s 2021 Spat With Rocket Lowered Prices

By prohibiting its affiliate brokers from sending loans to Rocket Mortgage, United Wholesale Mortgage induced price cuts by brokers not covered by its exclusivity agreements. Read More

Fannie Tallies Top 10 Significant Loan Defects

In a random sample of mortgages, the most common significant defect was misrepresentation of occupancy. In a targeted sample, it was undisclosed liabilities. Read More

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