| Inside Mortgage Finance

3Q19 Agency Refi Surge Lifts Retail Production

In the third-quarter agency purchase-mortgage market, the retail channel generated loans with stronger credit characteristics than third-party platforms. For agency refi business, retail loans tended to have lower credit scores. (Includes two data charts.) Read More

Mortgage Banking Income Soars in 3Q Lending Spree

Chase reported a huge increase in mortgage banking income that resulted in part from internal accounting while Wells posted a big decline due to MSR writedowns. (Includes data chart.) Read More

2019 Will Yield $2 Trillion in Loans At Least

The Federal Reserve cut rates by 25 basis points this week, assuring mortgage lenders strong operating conditions in the months ahead. Still, the production outlook is a bit darker for 2020. Read More

Flagstar Stands Out Among Banks with Servicing Growth

Flagstar increased its servicing portfolio by about 50% on an annual basis as of the end of September while no other bank servicer in the top 20 posted double digit gains. Read More

A New Study on What Drives Mortgage Prepayments

The conditions that prompt a cash-out refi differ from those that drive a rate/term refi, research published by the Philadelphia Fed shows. Read More

Banks Are Holding Their Own in Multifamily Lending

Nonbanks dominate in residential lending nowadays but at least in multifamily finance they have a bit of girth. The analysis is based on 2018 HMDA data. (Includes data chart.) Read More

HECM Programs Need an Overhaul

Government-insured reverse mortgage programs should offer simple and streamlined products in order to become more attractive to elder borrowers, according to the Brookings Institution. Read More

A Shrinking Number of Loan Origination Systems

The number of loan origination systems used by mortgage lenders has declined from 33 to 21 in the last four years, a Stratmor study finds. Read More

Inside Mortgage Trends

November 1, 2019

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3Q19 Agency Refi Surge Lifts Retail Production

Mortgage Banking Income Soars in 3Q Lending Spree

2019 Will Yield $2 Trillion in Loans At Least

Flagstar Stands Out Among Banks with Servicing Growth

A New Study on What Drives Mortgage Prepayments

Banks Are Holding Their Own in Multifamily Lending

HECM Programs Need an Overhaul

A Shrinking Number of Loan Origination Systems

Latest Imf News

Appeals Court Grants Rehearing of CFPB Case

Trump Teases Housing Proposal, Promises Lower Interest Rates

House Committee Moves Housing Bill, NFIP Extension

Refis Lead to Increase in Ginnie MBS Issuance in November

Featured Data

Agency Jumbo Business Level During Third Quarter

Non-Agency Jumbo Originations Slow in Third Quarter

Jumbo Servicing Volume Slightly Down in Third Quarter

Refis Lift Agency MBS to Three-Year High in November

Featured Reports

Agency Seller-Issuer Profile: 3Q25 (PDF)

Lender Profiles 2Q25: Top 25 (PDF)

GSE Repurchase Activity: Cumulative to Second Quarter 2025 (PDF Format)

Mortgage Profitability Report 2Q25 (PDF)

Featured Poll

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

November 1, 2019

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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?