August 12, 2022

Nonbank Mortgage Earnings Tumble in Second Quarter

Publicly traded nonbank mortgage lenders posted sharply lower profits in the second quarter as strong competition cut into margins. Two firms managed to increase mortgage-related income: homebuilders. (Includes data chart.) Read More

Ginnie Leads Agency MBS Default Rate Up in 2Q22

The overall delinquency rate in agency MBS inched up to 1.97% at the end of June. All of the increase in late payments was seen in the Ginnie Mae program. (Includes data chart.) Read More

Three Years After Being Sold to Freedom, RoundPoint is Sold Again

It’s been a bit quiet on the mortgage company M&A front the past few months, but a few deals are getting done, including Two Harbors agreeing to buy RoundPoint Mortgage. Read More

Markup Illustrates Partisan Stances on Alt Data

A bill brought by Democrats that would allow consumers to require the consideration of alternative data such as rent and utility payments in underwriting their mortgage recently cleared the House Financial Services Committee. Read More

Oversight Recommended for Alternative Financing

Alternate finance options make homeownership possible for first-time buyers unable to access traditional home loans, but more protections are needed to foster sustainable homeownership, according to industry experts. Read More

Low-Balance Loans and Refi Discrimination

Low-balance borrowers seeking to refinance pay proportionally higher closing costs and receive a smaller reduction in interest rates, according to findings published by the Federal Reserve. Read More

Heated Re-elections Can Up Mortgage Lending, Study Finds

Political power distorts how private capital is allocated, even among mortgage lending activities, according to a new study. Read More

Grapevine: loanDepot and Brokers; Rate Locks Decline in July

loanDepot cites faults in wholesale channel; rate locks decline in July; foreclosure activity also down; MISMO seeking comments on various initiatives. Read More

Inside Mortgage Trends

View Archived Issues

Nonbank Mortgage Earnings Tumble in Second Quarter

Ginnie Leads Agency MBS Default Rate Up in 2Q22

Three Years After Being Sold to Freedom, RoundPoint is Sold Again

Markup Illustrates Partisan Stances on Alt Data

Oversight Recommended for Alternative Financing

Low-Balance Loans and Refi Discrimination

Heated Re-elections Can Up Mortgage Lending, Study Finds

Grapevine: loanDepot and Brokers; Rate Locks Decline in July

Latest Imf News

VA Getting Closer to Launching Partial Claim Program

GSEs’ Mortgage Holdings Increase by 26% in Fourth Quarter

Homebuilder Confidence Declines, Affordability Issues Persist

MFA Financial Increases Income in Fourth Quarter

Featured Data

FHA Delinquencies Rise to Pandemic Levels

Expanded-Credit MBS Issuance Slows in 4Q

New Nonbank Servicing Giant Emerges in Fourth Quarter

January Ushers In New Year With Modest Gain in MBS

Featured Reports

Mortgage Profitability Report 3Q25 (PDF)

Mortgage Servicing Rights Report: 3Q25 (PDF)

IMF Mortgage Directory: Full interactive database

Agency Seller-Issuer Profile: 3Q25 (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

August 12, 2022

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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?