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Inside Mortgage Trends

January 31, 2025

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Retail Channel Gains Agency Share as Refis Strengthen

The retail channel gained market share in agency deliveries as refinance deliveries increased sharply during the fourth quarter of 2024. Underwriting standards tightened and loan sizes rose. (Includes two data tables.) Read More

Northpointe Bank Touts Mortgage Business in IPO

Northpointe Bank could raise upwards of $200 million via an initial public offering. The bank said the IPO could help to double its warehouse lending business and increase production of a unique non-agency mortgage. Read More

Natural Disasters Stressing Homeowners Insurance

As natural disasters are becoming increasingly devasting, homeowners insurance is struggling to keep up. Read More

Large Nonbanks Continue to Invest in Proprietary Tech

To increase already substantial market shares, nonbank mortgage companies are investing in proprietary technology for originations and servicing. Read More

Realfinity Looks to Expand Mortgage Platform

The company wants to help real estate agents become mortgage brokers and close loans with less overhead costs. Read More

Lenders Seek More Programs for Gig-Economy Workers

Loan originators want to see guidelines expanded for borrowers with variable sources of income. Read More

Side Effects of Stricter Flood Disclosures on Mortgages

Experienced appraisers combine flood disclosure information and local knowledge to provide appraisal values that reflect the underlying risk to the property. And less-experienced appraisers were found to assign higher property values to homes in flood areas. Read More

Grapevine: FCC Consent Rule Struck Down; Cash-Out Refi Trends

FCC one-to-one consent rule vacated; CFPB details cash-out refi usage; RiskSpan launches MSR analytics offering; AI tool helps with mortgage applications in Spanish. Read More

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