March 8, 2024

Nonbanks Hammered in 4Q23 Mortgage Banking

Nonbanks saw a sharp decline in mortgage banking income in the fourth quarter, ending a challenging year with earnings down 38.5% from 2022. Read More

Bank Retail Production, Loan Sales Tumble Further in 2023

Banks and thrifts continued to report a decline in originations through their retail mortgage platforms in 2023. Cornerstone Capital Bank was the top bank retail mortgage lender in the fourth quarter. Read More

Borrowers Highly Sensitive to Moves in Interest Rates

In recent months, when interest rates have declined even slightly, loan applications have jumped, indicating that potential borrowers are keeping a close eye on interest rates. There could also be some relief on affordability as the inventory of homes for sale increased in February. Read More

Resumption of Student Loan Payments Causing Stress

Lower-income households with mortgages have to make difficult budget choices to accommodate the resumption of student loan payments, new research showed. Overall, though, the payment restart is expected to have modest effects on mortgage performance. Read More

Companies Should Prepare for AI-focused Regulation

A recent push by the White House to increase oversight on artificial intelligence should lead to more regulations in the coming year. Read More

Research Ties Movement in Home Prices to Media Coverage

New research showed that media coverage of home prices helps boost home price growth. This appears to be true at both the state and city level. Read More

Grapevine: loanDepot’s Cyberattack Expenses; Home Equity Grows

Cyberattack will cost loanDepot at least $12 million; average borrower has nearly $300,000 in home equity; home prices overvalued across the country; MSR gain some value; new servicing platform from Sagent; MCT offers TBA pricing indicators; lender launches real estate platform. Read More

Inside Mortgage Trends

View Archived Issues

Nonbanks Hammered in 4Q23 Mortgage Banking

Bank Retail Production, Loan Sales Tumble Further in 2023

Borrowers Highly Sensitive to Moves in Interest Rates

Resumption of Student Loan Payments Causing Stress

Companies Should Prepare for AI-focused Regulation

Research Ties Movement in Home Prices to Media Coverage

Grapevine: loanDepot’s Cyberattack Expenses; Home Equity Grows

Latest Imf News

GSE Deliveries by Top Players Decline in November

Fed’s Rate Cut Not Expected to Help Mortgages Much

GSEs Update Guidelines Tied to Fraud

SG Capital Partners Returns as Expanded-Credit MBS Issuer

Featured Data

Refis Lift Agency MBS to Three-Year High in November

Broker Channel Regains Some Share in Third Quarter

Nonbanks Post Small Drop in Mortgage-Banking Income

Bank MSR Portfolios Shrink Slightly, Valuation Strong

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

March 8, 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?