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Inside Mortgage Trends

April 8, 2022

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GSE Sellers Loosen Credit Standards in 1Q22

Government-sponsored enterprise business in the low- and middle-risk categories increased in the first quarter of 2022. The shifts in credit characteristics occurred as originations declined. (Includes two data charts.) Read More

Mixed Trends for Mortgage Insurance Volume in First Quarter

Private mortgage insurers gained share in the primary MI market in the first quarter of 2022, helped by purchase-mortgage activity. VA loans accounted for the majority of refis with primary MI during the period. (Includes two data charts.) Read More

Fed Researchers See Signs of Housing Bubble

Home prices have come untethered from rent, which could be a sign of “irrational exuberance,” according to economists from the Federal Reserve Bank of Dallas. Read More

Plenty of Mortgage Layoff Talk but Few Hard Numbers

Mortgage bankers far and wide are trimming employees as interest rates continue to rise and refinance wane. But industry employment figures look benign. How can that be? Read More

Hedging Rate Locks Key for Lenders as Interest Rates Rise

Too many credit unions and community banks are ignoring the risks of ill-thought-out interest rate lock strategies, according to Black Knight. By using technology that integrates lock commitments with loan origination system data, lenders can more effectively hedge against risk. Read More

Detroit Confronts Limited Purchase Lending Activity

The lack of purchase-mortgage lending activity in Detroit contributes to low home values, deteriorating housing stock and high rates of residential property vacancies, according to a new study from Detroit Future City. Read More

Single Women Face Homebuying Obstacles

The reason: Single female borrowers are generally less affluent than single male borrowers, have lower incomes and take out smaller loans, according to researchers at the Urban Institute. Read More

Grapevine: New Standards for Credit Losses; Blend Takes Large Loss

Revised accounting standards for credit losses; troubles mount at Blend; MISMO updates iLAD, considers eNote standards for commercial market; MBA redesigns website, highlighting reduced content. Read More

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