January 31, 2025

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

Inside Mortgage Trends

View Archived Issues

Retail Channel Gains Agency Share as Refis Strengthen

Northpointe Bank Touts Mortgage Business in IPO

Natural Disasters Stressing Homeowners Insurance

Large Nonbanks Continue to Invest in Proprietary Tech

Realfinity Looks to Expand Mortgage Platform

Lenders Seek More Programs for Gig-Economy Workers

Side Effects of Stricter Flood Disclosures on Mortgages

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

Latest Imf News

Borrower Lock-In Easing With Passage of Time

Ginnie Issuance Climbs Slightly in January

Fannie Economists See Interest Rates Staying Higher for Longer

Income and MBS Portfolio Increase at Armour in Fourth Quarter

Featured Data

Refi Lending Nearly Doubles in 4Q, Purchase Share Drops

FHA Delinquencies Rise to Pandemic Levels

Expanded-Credit MBS Issuance Slows in 4Q

New Nonbank Servicing Giant Emerges in Fourth Quarter

Featured Reports

Mortgage Profitability Report 3Q25 (PDF)

Mortgage Servicing Rights Report: 3Q25 (PDF)

IMF Mortgage Directory: Full interactive database

Agency Seller-Issuer Profile: 3Q25 (PDF)

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

January 31, 2025

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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?