February 28, 2025

TD Bank Drags Down Industry’s 4Q Mortgage-Banking Income

The industry’s most profitable mortgage-banking business during the fourth quarter was operated by Truist Bank. Meanwhile, TD Bank reported a huge $911.2 million loss related to the sale of mortgage loans. (Includes data table.) Read More

Homebuilder-Affiliated Lenders Relying on Buydowns

Homebuilders with lending units continue to prop up home sales by offering mortgage buydowns. The tactic cuts into homebuilders’ margins but many company officials prefer lower margins rather than unsold inventory. Read More

Banks Reduce SFO Portfolios in 4Q24; MSR Values Rise

While banks’ servicing-for-others balance declined in the fourth quarter of 2024, the industry put a higher valuation on the asset. Top-ranked JPMorgan Chase and Wells Fargo continued to reduce their portfolios. (Includes data table.) Read More

Mr. Cooper Keeps Mining MSR Gold

It might be said that Mr. Cooper has timed the servicing market perfectly. While other shops grow tired of the vicissitudes of interest rates and MSR marks, Mr. Cooper has pounced, gobbling up portfolios that have only grown in value as rates stay stubbornly high. Read More

FICO 10 T Early Adopters See Strong Results

FICO 10 T has helped lenders approve more borrowers, according to a new report from the credit scoring firm. Read More

G-Fee Hikes Affect Some Demographics More Than Others

Changes to the pricing grids of Fannie Mae and Freddie Mac last May created a natural experiment for researchers to study how changes to guarantee fees impact the housing market. Read More

UWM Prevails in Lawsuit Over Arbitration Clause

A federal appeals court last month backed United Wholesale Mortgage in a battle with an employee who claimed wrongful termination. Read More

MISMO Proposes New Tools, Various Updates

MISMO is out with five proposals, including a tool to simplify standards adoption. Other new features include tech for credit modernization, appraisals and housing counseling. Read More

Inside Mortgage Trends

View Archived Issues

TD Bank Drags Down Industry’s 4Q Mortgage-Banking Income

Homebuilder-Affiliated Lenders Relying on Buydowns

Banks Reduce SFO Portfolios in 4Q24; MSR Values Rise

Mr. Cooper Keeps Mining MSR Gold

FICO 10 T Early Adopters See Strong Results

G-Fee Hikes Affect Some Demographics More Than Others

UWM Prevails in Lawsuit Over Arbitration Clause

MISMO Proposes New Tools, Various Updates

Latest Imf News

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Featured Data

Largest Sellers See GSE Deliveries Wane in November

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Featured Reports

Agency Seller-Issuer Profile: 3Q25 (PDF)

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Lender Profiles 2Q25: Top 25 (PDF)

GSE Repurchase Activity: Cumulative to Second Quarter 2025 (PDF Format)

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

February 28, 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?