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Inside Mortgage Trends

May 9, 2025

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Banks Tread Water in 1Q25 Mortgage-Banking Income

Many banks reported sharp declines in mortgage originations — and income derived from it — in the first quarter of 2025. But gains from MSR hedging activity made up for the decline in production. (Includes data table.) Read More

Sharp Differences in Outlook for Interest Rates

Economists at the MBA don’t think interest rates on mortgages will decline much this year. Economists at Fannie Mae project a sizeable drop. Read More

Correspondent Footprint Grows in Agency Market

Correspondent aggregators increased their agency origination footprint in the first quarter of 2025, even as securitization volume fell by 22.6%. Purchase mortgages still dominated the market while credit quality remained stable. (Includes two data tables.) Read More

AI Implementation Brings Complexities

New artificial intelligence technology provides both promise and complications for the mortgage industry. Read More

Denial Rates on Conventional-Conforming Mortgages Steady

Among the top-five lenders in terms of applications received for conventional-conforming mortgages in 2024, Rocket Mortgage had the highest overall denial rate at 15.9%. JPMorgan Chase ranked second with a rejection rate of 12.0%. (Includes data table.) Read More

Mortgage Industry Looks to Improve Credit Scoring Models

The reporting of positive rental payment data to credit reporting bureaus can help increase homeownership opportunities. Read More

Grapevine: Recapture Concerns; Rocket Eases Fitch’s Fears

Rosy recapture-rate projections prompt some pushback; Fitch removes Rocket from downgrade watch; PennyMac upsizes debt offering; MISMO seeking comments. Read More

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