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Inside Mortgage Trends

July 18, 2025

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Agency MSR Transfers Slow as High-Coupon Sales Drop

Bulk transfers of agency MSR declined in the second quarter, partly due to reduced demand for higher-coupon portfolios. While coissuance volume was up, it failed to match the gains in agency securitization of lightly seasoned mortgages. (Includes three data tables.) Read More

Agency MBS Delinquency Rates Rise in Second Quarter

While early-payment delinquency rates showed increases, the rate for loans 120 days or more late declined. Across all three agencies, overall 3.32% of mortgages were past due. (Includes data table.) Read More

Sagging Home Prices Threaten Some Mortgage Markets

Declining equity and surging escrow payments may be a precursor to market stress in some parts of the country, analysts say. Read More

CSBS Details Updates to NMLS Starting This Fall

The changes to the Nationwide Multistate Licensing System include modernized updates to the individual state license application process. Read More

MBA Purchase Index Up Against Weak Prior Year

The Mortgage Bankers Association’s purchase index is a poor indicator of the health of the housing market this year, primarily because government loan applications were significantly down this time last year, according to Goldman Sachs analysts. Read More

Court Rules No Refund on Voluntary PMI Cancellation

A U.S. appeals court ruled that a borrower is not entitled to a refund of prepaid private mortgage insurance if voluntarily canceled before the statutory termination. Read More

Young People Relying on Family for Downpayment

A Redfin survey found that almost 25% of recent young homebuyers used family money to fund their downpayment. Read More

Grapevine: MISMO Floats AI Glossary; IT Services for Lenders

The Mortgage Industry Standards Maintenance Organization has published a glossary of artificial intelligence terms and definitions. Read More

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