February 9, 2024

Retail Loses Share Amid Shrinking Agency Deliveries

Agency deliveries fell 16.1% in the fourth quarter of last year as retail lost ground to correspondents. Average loans sizes decreased and there was no significant change in loan quality. (Includes two data tables.) Read More

Banks Report Broad Decline in Mortgage-Banking Income

Declining MSR valuations created problems for bank mortgage operations in the fourth quarter, along with a slowdown in loan originations and sales. (Includes data table.) Read More

Mortgage Lenders Express Concerns Over Understaffing

Executives at Kind Lending and Paramount Residential Mortgage Group said lenders need to boost staffing levels to be prepared for increased originations this year. Read More

Large Nonbanks Resume Unsecured Debt Issuance

Proceeds from the recent issuance have largely gone toward paying down the companies’ debt issuance from 2021 when they needed funds for their refi business. Read More

Congress Examines AI Risk in Housing

A Senate Banking subcommittee last week heard testimony on the pros and cons of using artificial intelligence in the housing industry. Read More

Borrower Awareness a Factor in Passing on Mortgage Costs

Although almost all of the cost of funding a loan through MBS is passed through to consumers, borrowers only see about 40% of the “cost” of a specified pool pay-up. Read More

Senate Committee Debates Housing Affordability Policy

While Senate Democrats largely called for additional federal aid, Republicans sought more accountability for existing programs. Read More

Grapevine: Mortgage Employment Declines; Rate Locks Increase

Lenders cut more staff; rate locks up 14% in January; borrowers have plenty of equity; bill to limit trigger leads in House; LoanCare revamps servicing website; Staircase launches ChatMTG. Read More

Inside Mortgage Trends

View Archived Issues

Retail Loses Share Amid Shrinking Agency Deliveries

Banks Report Broad Decline in Mortgage-Banking Income

Mortgage Lenders Express Concerns Over Understaffing

Large Nonbanks Resume Unsecured Debt Issuance

Congress Examines AI Risk in Housing

Borrower Awareness a Factor in Passing on Mortgage Costs

Senate Committee Debates Housing Affordability Policy

Grapevine: Mortgage Employment Declines; Rate Locks Increase

Latest Imf News

AGNC Tops Annaly Among REIT MBS Investors

Investors Warn Against Expanding Non-QM Credit Box

FHFA Seeks Fraud Enforcement Power From Congress

CFPB’s Revised Complaint Process Draws Mixed Reviews

Featured Data

Agency MBS Issuance Down in May as Refinance Falters

Correspondent Share Slips in First Quarter of 2026

FHA Refis Sole Bright Spot in First-Quarter Originations

Banks’ Mortgage Holdings Inch Down in First Quarter

Featured Reports

Agency Channel Analysis: 1Q26 (PDF)

Guide to Mortgage Lending to First-Time Homebuyers

IMF HMDA Dashboard: 2025

2026 Mortgage Market Statistical Annual (PDF)

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

February 9, 2024

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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?