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Inside Mortgage Trends

December 18, 2020

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TPO Channels Gain Ground in 3Q20 Agency Market

Correspondents increased their share in the conventional-conforming and government markets, as did wholesale-broker platforms. But TPO production was nearly shut out of the jumbo market. (Includes two data charts.) Read More

Banks Report 3Q20 Bonanza in Originations, Loan Sales

Retail originations by banks' mortgage banking operations rose to the highest level in seven years but they understate total lending by the industry. (Includes two data charts.) Read More

What Happens After Forbearance Ends?

According to the U.S. Census Bureau, 19.4% of Black borrowers missed or delayed their September mortgage payment. The University of Southern California’s Understanding America Study put the figure at just 5.9%. Read More

Has Profitability Peaked for Mortgage Companies?

Profit margins in the first quarter of 2021 will decline from the fourth quarter of this year, according to a survey of mortgage executives by Fannie Mae. Executives also believe the refi boom might have peaked. Read More

Lender/Servicer Retention of Refinancing Borrowers Low

Only 18% of borrowers who refinanced during the third quarter remained with their previous lender/servicer. The reason: Competing lenders offering lower rates. Read More

Ginnie Loans in Forbearance Decrease but Worries Remain

The share of Ginnie Mae loans in forbearance declined as of Dec. 6, but red flags remain as the economy continues to stagger. Read More

iBuying Market Lags Traditional Home Buying

The pandemic caused the iBuying market to come to a standstill, resulting in 50% less volume. Read More

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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?

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