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Inside Mortgage Trends

December 5, 2025

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Third-Party Lenders Boost Market Share in Third Quarter

Wholesale-brokers and correspondent aggregators increased their market share in all three major product categories. Retail continued to lead conventional-conforming lending. (Includes two data tables.) Read More

Credit Bureaus Have Big Expectations for VantageScore

Leaders at the three major credit bureaus, which own VantageScore, expect to see strong revenues and profits as the GSEs allow VantageScore to compete with FICO. Read More

Freddie Estimates Cost Savings for Digitized Lenders

Lenders with high adoption rates for tools from Freddie Mac like automated collateral estimator and asset and income modeler have significantly lower per-loan costs and higher per-loan profits, the GSE says. Read More

Bank Mortgage Repurchases Decline in Third Quarter

The dollar volume of mortgage repurchases by banks declined by 5.4% on a sequential basis during the third quarter. Western Alliance Bank led in loan removals for the second straight quarter. (Includes data table.) Read More

Race Is On for Refi Recaptures in 2026

Slight interest rate relief might lead to a refinance wave that could help servicers offset some of the performance drags expected from prepayments and rising unemployment. Read More

Credit Unions Advised to Ramp Up Mortgage Lending

Mortgages can be a good stepping stone to other services, speakers advised during an American Credit Union Mortgage Association discussion this week. Read More

Homebuyers, Sellers at Impasse as Delistings Rise

Sellers are unwilling to budge on price and buyers are waiting for better deals or a shift in market, prompting more delistings. Read More

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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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