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Inside Mortgage Trends

February 20, 2026

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Mortgage-Banking Earnings at Banks Level Off in 4Q

When excluding a one-time jump in Capital One’s earnings, mortgage-banking earnings at banks and thrifts declined by 2.9% during the fourth quarter of 2025. Still, earnings for the full year improved compared with 2024. (Includes data table.) Read More

UWM Faced Competition in Acquisition of Two Harbors

UWM first made an unsolicited bid for Two Harbors in December 2024. Three other companies subsequently made formal bids for Two Harbors, with UWM prevailing in December 2025. Read More

Bank Servicing Declines in 4Q, MSR Fair Values Up

Servicing for others by banks declined by 0.6% during the fourth quarter of 2025. Meanwhile, the fair value of MSRs classified as serviced for others increased. (Includes data table.) Read More

Borrowers Stressed by Rising Property Taxes and Insurance

Servicers have limited means to mitigate continued increases in tax assessments and property insurance premiums that squeeze borrowers. Read More

Lenders Encouraged to Consider Reverse Mortgages

Mortgage executives believe reverse-mortgage products are a valuable tool to boost originations as the average age of homeowners is increasing and more seniors are looking for ways to take advantage of the equity in their homes. Read More

Mortgage Earnings Improve at ICE in 4Q; AI in the Works

Operating income in Intercontinental Exchange’s mortgage technology segment increased during the fourth quarter of 2025 and the firm is working on a number of artificial intelligence initiatives. Read More

Servicers Urged to Boost Efficiency as Foreclosures Rise

Servicers should prepare for an increase in foreclosure activity among first-time borrowers and those with lower reserves. Read More

Grapevine: Onity Taps Tax Windfall; Loan Defects Increase

Onity takes $120.0 million deferred tax asset valuation allowance; income/employment defects rise; Sagent launches servicing platform; AI company rescinds link to Intercontinental Exchange. Read More

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