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Inside Mortgage Trends

September 26, 2025

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Mortgage-Banking Income Up on Production, Servicing

A surge in originations helped boost mortgage-banking income in the second quarter, while MSR marks dampened servicing income. (Includes data tables.) Read More

Bayview’s Acquisition of Guild Started With a Small Stake

Bayview Asset Management first acquired a stake in Guild Mortgage in 2020. BAM is on track to fully acquire the lender by the end of the year, after an effort by a competing bidder didn’t proceed. Read More

Banks Boost Retail Lending, Secondary Sales in 2Q

Retail originations of mortgages by banks and thrifts sharply increased in the second quarter. The industry also reported a more modest increase in secondary-market mortgage sales. (Includes two data tables.) Read More

Mortgage Companies Urged to Adopt AI for Efficiency

The mortgage industry appears to be lagging other sectors in adoption of artificial intelligence. Tech providers stress that AI offers lenders potential gains in productivity with limited downsides. Read More

Rate Expands Language Access Program

The lender sees major opportunities to increase mortgage volume by reaching out to borrowers who speak only Spanish or have limited English proficiency, even as HUD pulls back on translation services. Read More

Trump Housing Push Could Expand Lending Opportunities

Manufactured housing supply might be due to increase if the Trump administration enacts certain reforms, potentially opening a broadly untapped market for mortgage lenders. Read More

MISMO's e-Eligibility Exchange Helping eNote Adoption

Officials at MISMO believe that the e-Eligibility Exchange has helped mortgage lenders overcome counterparty approval challenges for use of eNotes. Read More

Quality Control Essential to Mitigating Mortgage Fraud

A solid quality control program is critical to mitigating fraud risk, as well as protecting a lender’s perceived risk, according to industry attorneys. Read More

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