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Inside Mortgage Trends

June 28, 2024

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Broker Channel Gains in a Weak Originations Market

Brokers gained market share across all three lending sectors in the first quarter. The biggest gain was in the government-insured lending market. (Includes two data tables.) Read More

Democratic Sweep Could Be Positive for Mortgage Market

Moody’s Analytics Chief Economist Mark Zandi said movement in interest rates will be tied to how well deficit reduction is addressed by the next administration. Read More

MSR Investors Seeing Benefits From Subservicers

Some MSR buyers would rather focus on acquiring volume and leave the servicing duties to someone else. Subservicers are happy to provide the service, touting cost savings and innovations. Read More

SoFi’s Mortgage Business Grows, Thanks to Wyndham

SoFi expects to see further growth in its share of mortgage originations due to the acquisition of Wyndham Capital Mortgage, which provided SoFi with mortgage fulfillment processes. Read More

Automation Needed to Scale Self-Employed Underwriting

The rise in gig work and side hustles has led to new automation tools for non-QM underwriting for self-employed borrowers. Read More

JPMorgan Chase Amplifies Focus on Appraisal Reform

The bank recently committed $3 million to an appraisal diversity initiative and is engaged in various internal efforts to reform the appraisal industry. Read More

Bank Competition Influences Adaptation to Climate Risk

Regulatory policy around climate change should consider the broader market and not merely the safety and soundness of individual banks, according to a new paper from the Office of Financial Research. Read More

Lender Strategies for Affordable Housing

One way lenders can make homes more affordable is to combine the GSEs’ low-downpayment programs with other tools that reduce downpayment and closing costs. Read More

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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?

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