October 10, 2025

GSEs Get More Low-Risk Purchase Mortgages in Third Quarter

Deliveries of high-risk purchase loans to the GSEs saw minor increases in the third quarter. But lenders expanded the credit for such loans in the refi sector. (Includes two data tables.) Read More

Insured Purchase-Mortgage Activity Up in 3Q; Refis Fall

The flow of purchase mortgages with some form of mortgage insurance in agency MBS increased in the third quarter of 2025, while refinance business saw a sharp downturn. (Includes two data tables.) Read More

Quick Closing Time is Important for HEL Borrowers

Banks and credit unions are struggling to compete with technology-focused lenders who use automation to close home equity loans faster. Read More

Fannie Outlines Top Loan Defects in 1Q Deliveries

One of the most common loan defects remains “incorrect income calculation — rental income/loss.” Read More

Experts Warn Against Rising Mortgage Fraud Risk

Undisclosed real estate debt and transaction fraud risks increased the most in the second quarter, according to Matt Seguin, a senior principal for product management at Cotality. Read More

McCargo Suggests Reforms to Address Climate Risk

A combination of underinsurance and shrinking claim payouts is pushing homeownership out of reach for millions of people, Alanna McCargo, former Ginnie Mae president, warned in an Urban Institute paper. Read More

Affordability Levers Benefit Borrowers From Wealthy Families

Policies aimed at reducing barriers to homeownership inordinately benefit borrowers with wealthy parents, a recent Federal Reserve study found. Read More

Mom-and-Pop Investors Drive Real Estate Purchases

Small investors, who own five or fewer properties, are increasingly turning to debt service coverage ratio financing to grow their portfolios. Read More

Inside Mortgage Trends

View Archived Issues

GSEs Get More Low-Risk Purchase Mortgages in Third Quarter

Insured Purchase-Mortgage Activity Up in 3Q; Refis Fall

Quick Closing Time is Important for HEL Borrowers

Fannie Outlines Top Loan Defects in 1Q Deliveries

Experts Warn Against Rising Mortgage Fraud Risk

McCargo Suggests Reforms to Address Climate Risk

Affordability Levers Benefit Borrowers From Wealthy Families

Mom-and-Pop Investors Drive Real Estate Purchases

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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?

Inside Mortgage Trends

October 10, 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?