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

Agency Jumbo Volume Holds Steady in Third Quarter

Housing Bill With Bipartisan Support Introduced in House

Fannie Mae’s MBS Holdings Increase Again in November

Trump Admin Reorients FSOC to Growth and De-Regulation

Featured Data

Non-Agency Jumbo Originations Slow in Third Quarter

Jumbo Servicing Volume Slightly Down in Third Quarter

Refis Lift Agency MBS to Three-Year High in November

Broker Channel Regains Some Share in Third Quarter

Featured Reports

Lender Profiles 2Q25: Top 25 (PDF)

GSE Repurchase Activity: Cumulative to Second Quarter 2025 (PDF Format)

Mortgage Profitability Report 2Q25 (PDF)

IMF HMDA Dashboard: 2024

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?