July 9, 2021

Lenders May be Stretching Credit Envelope on Refis

While Fannie and Freddie refi business fell sharply in the second quarter, there were significant increases in loans with low credit scores. Meanwhile, the fastest growing sectors of the GSE purchase market had higher LTV ratios. (Includes two data charts.) Read More

California Bears Much of the Blame for 2Q Agency Slump

California accounted for most of the overall market decline in agency business during the second quarter, although FHA lending was up in the state. (Includes data chart.) Read More

The Debt Store Remains Open. Sellers: Freedom and Sachem

Investors are still open to the idea of buying debt issued by nonbank mortgage firms, but will the window stay open through the summer? Read More

A New Purchase-Mortgage-Only Lender in the Market

Tomo was founded by two former Zillow executives with a sole focus on purchase mortgages. Meanwhile, three-year-old Lower recently completed a $100 million Series A funding round. Read More

FHFA Expands Disclosures from National Mortgage Database

The regulator released additional data collected from the survey of 5% of new mortgage borrowers each quarter. The data covers originations through the third quarter of 2020. Read More

Industry Increases Efforts to Boost Diversity and Inclusion

The first step for many companies looking to ramp up efforts to increase diversity and inclusion: hiring a diversity officer. The MBA’s diversity officer has some other suggestions too. Read More

Grapevine: Still Interested in MBs: PE Firms / The IPO Queue

A few more mortgage IPOs could hit the stock roulette wheel by yearend. The reason: another potential reprieve on rates. Read More

Inside Mortgage Trends

View Archived Issues

Lenders May be Stretching Credit Envelope on Refis

California Bears Much of the Blame for 2Q Agency Slump

The Debt Store Remains Open. Sellers: Freedom and Sachem

A New Purchase-Mortgage-Only Lender in the Market

FHFA Expands Disclosures from National Mortgage Database

Industry Increases Efforts to Boost Diversity and Inclusion

Grapevine: Still Interested in MBs: PE Firms / The IPO Queue

Latest Imf News

Ginnie Gains More Servicing Share During First Quarter

Fed’s Warsh Unlikely to Drive Down Interest Rates on Mortgages

CFPB Rescinds 2020 Opinion on Special Purpose Credit Programs

New Investors Entering Market for Non-Agency MBS

Featured Data

Ginnie Issuance Down in May as Refis Slump

Jumbo Servicing Volume Bumps Higher in 1Q

Non-Agency Jumbo Lending Drops in First Quarter

REITs Boost MBS Holdings, AGNC Rises to Top Investor

Featured Reports

GSE Repurchase Activity: Cumulative Through Fourth Quarter 2025 (PDF Format)

Agency Channel Analysis: 1Q26 (PDF)

Guide to Mortgage Lending to First-Time Homebuyers

IMF HMDA Dashboard: 2025

Featured Poll

As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

Inside Mortgage Trends

July 9, 2021

Download Files:

As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?