March 28, 2025

Servicing Bounces Back in 4Q24, Production Falters

Most lenders reported significant improvement in servicing profitability that was driven by MSR markups. But results varied greatly on the production side, where lenders that rely on TPO channels fared much better. (Includes data tables.) Read More

Young Latinos Pick Up Homebuying Pace

Hispanics accounted for 35% of U.S. homeownership growth last year, the largest share of any racial or ethnic group, according to a new report from the National Association of Hispanic Real Estate Professionals. Read More

Wholesalers Gain Share in Conventional-Conforming Lending

Wholesale-broker originators boosted their market share in conventional-conforming mortgages in the fourth quarter. Correspondents regained some previously lost ground in FHA/VA lending while retail remained king of the nonconforming segment. (Includes two data tables.) Read More

Bank Retail Production, Loan Sales Slow in Fourth Quarter

The decline in retail origination at banks and thrifts came even as overall originations increased slightly from the third to the fourth quarter. (Includes two data tables.) Read More

Better Looks to Tech, LOs in Quest for Profitability

Better is touting investments in artificial intelligence to help slash costs tied to originating refis. The lender is also building a distributed retail operation to increase production of purchase mortgages. Read More

Lenders Say Misinformation Deterring Borrowers

Many potential homebuyers remain unaware that a mortgage can be obtained without providing a 20% downpayment. Read More

Chase Receives Strong Marks as Servicer

Among servicers assessed by Fitch, Chase has one of the highest ratings. Read More

Grapevine: Recession Risk Rising; New Income/Employment Tools

MBA increases odds of a recession within next 12 months; new tools to verify employment, income; downpayment size increases in 2024; new proposals from MISMO; lender raises funds; Cardinal offers processing for brokers; new hire at Nationwide Mortgage Bankers. Read More

Inside Mortgage Trends

View Archived Issues

Servicing Bounces Back in 4Q24, Production Falters

Young Latinos Pick Up Homebuying Pace

Wholesalers Gain Share in Conventional-Conforming Lending

Bank Retail Production, Loan Sales Slow in Fourth Quarter

Better Looks to Tech, LOs in Quest for Profitability

Lenders Say Misinformation Deterring Borrowers

Chase Receives Strong Marks as Servicer

Grapevine: Recession Risk Rising; New Income/Employment Tools

Latest Imf News

Refi Lending Spikes in 4Q, Purchase Mortgages Slow

Delinquencies Climb During Fourth Quarter, Led by FHA

GSEs Getting Aggressive With Cash Window Pricing

Onity’s Earnings Helped by Release of Tax Valuation Allowance

Featured Data

FHA Delinquencies Rise to Pandemic Levels

Expanded-Credit MBS Issuance Slows in 4Q

New Nonbank Servicing Giant Emerges in Fourth Quarter

January Ushers In New Year With Modest Gain in MBS

Featured Reports

Mortgage Servicing Rights Report: 3Q25 (PDF)

IMF Mortgage Directory: Full interactive database

Agency Seller-Issuer Profile: 3Q25 (PDF)

IMF HMDA Dashboard: 2024

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

March 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?