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Inside Mortgage Trends

July 24, 2026

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MSR Transfers Increase in 2Q, UWM’s Sales Spike

Bulk sales of agency MSRs were up 30.8% on an annual basis in the first half of 2026. United Wholesale Mortgage accounted for nearly 30% of all bulk sale volume in the second quarter. (Includes three data tables.) Read More

Capital Changes Unlikely to Boost Bank Business Much

Pending changes to bank capital requirements are unlikely to move depositories further into the mortgage lending space but could provide some additional flexibility to banks moving forward, according to Kroll Bond Rating Agency. Read More

Delinquencies on Loans in Agency MBS Rise in Second Quarter

The delinquency rate increased the most on a quarterly basis for FHA mortgages. (Includes two data tables.) Read More

The Pitfalls of Hiring From Competitors

Lenders looking to poach employees from competing firms should take various measures to avoid litigation, according to the law firm of Brody Gapp. Read More

Labor Unions Look to Tackle Home Affordability

The Teamsters launched a home affordability program for its members, adding to the growing number of homebuying programs offered through unions. Read More

Minneapolis Fed: ‘HPOP’ Ratio Better Measure of Homeownership

The homeowners-to-population ratio better reflects the share of adults who are homeowners, according economists at the Federal Reserve Bank of Minneapolis. Read More

Economics Justify Use of Retirement Funds for Downpayments

An Urban Institute study shows that the internal rate of return of a downpayment on a home often exceeds that of a diversified stock portfolio, especially in low-growth real estate markets. Read More

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