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Inside Mortgage Trends

September 20, 2024

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Retail Footprint Grows in Conventional Lending

The retail share of conventional-conforming production rose by more than three percentage points while government and nonconforming lenders turned toward correspondents. (Includes two data tables.) Read More

Banks Crank Up Retail Production, Loan Sales in 2Q

Banks and thrifts reported $44.54 billion in retail mortgage production in the second quarter, making it the strongest three-month period for bank retail lending since the third quarter of 2022. (Includes two data tables.) Read More

Lenders Offer Tips on Marketing Home Equity Products

Soaring home price appreciation in recent years has created plenty of tappable home equity. Firms offering equity-extraction products use various techniques to make homeowners aware of their offerings. Read More

UWM Leverages AI to Identify Refi Candidates

United Wholesale Mortgage has introduced a new AI-based platform to help its brokers recapture borrowers with a refinance. Read More

Offshore Outsourcing May Help Alleviate Production Overhead

Outsourcing underwriting tasks to offshore contractors can help reduce production costs for mortgage lenders, according to an executive at Verity Global Solutions. Read More

Counselors Play a Role in DPA Policy, Homeownership Gap

Housing counselors can play a critical role in addressing racial gaps in homeownership, according to speakers at a HUD conference. Read More

Counselors Encouraged to Embrace Fee-for-Service

Housing counseling agencies should partner with lenders, nonprofits and government housing agencies to develop fee-for-service models to tap additional funding, according to industry experts. Read More

Lock-In Effect From Low Interest Rates Worsens

Federal Housing Finance Agency researchers recently updated the number of home sales lost to the “lock-in” effect to 1.7 million units. Read More

Grapevine: Rate Cut Brings Opportunities; Borrowers Frustrated

Lower interest rates bring refi opportunities; borrowers experience frustration at closing; improvements at Provident Funding Associates; Spanish translation efforts; tech firm acquires mortgage brokerage. Read More

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