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Inside Mortgage Trends

September 12, 2025

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Retail Channel Gains Market Share in Second Quarter

Retail lenders gained market share in the second quarter, mostly at the expense of correspondent aggregators. Brokers lost some ground mainly because production didn’t grow quite as fast as the market overall. (Includes two data tables.) Read More

Nonbanks Boosting ARM Lending Via Agency MBS

The volume of adjustable-rate mortgages flowing into agency mortgage-backed securities jumped in the second quarter of 2025 and has remained elevated. Large nonbank lenders are driving the increase. (Includes data table.) Read More

PennyMac Adopts Vesta’s Loan Origination System

PennyMac Financial Services partnered with Vesta Innovations to adopt the firm’s loan origination system and streamline the mortgage application process in the consumer direct channel. The move includes an investment in Vesta. Read More

Truist Claims Competitor Poached Mortgage Team

Truist alleges that Colliers Mortgage used insider information to prompt employees in a mortgage unit at Truist to shift to Colliers. Read More

Repurchases by Banks Surge in Second Quarter

Repurchases and indemnifications increased by more than 30% on a sequential basis during the second quarter. Through the first six months of the year, buyback activity was essentially level compared with the first half of 2024. (Includes data table.) Read More

Employers Using DPA Programs to Boost Hiring, Retention

Employers are increasingly offering downpayment assistance programs as a way to boost employee recruitment and retention. Read More

Payment-to-Income Ratios an Early Indicator of Mortgage Defaults

Rising PTI ratios for credit cards, home equity lines of credit and student loans were most positively correlated with future mortgage delinquencies, according to new research from TransUnion. Read More

Rising Flood Insurance Costs Trouble Borrowers

A growing share of homeowners are more concerned about increasing flood insurance premiums than actual flood damage to their properties, according to new research by the CFPB. Read More

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