January 6, 2023

Lenders Maintain Standards Despite Falling Volume

Underwriting standards tend to deteriorate in dire circumstances, but GSE sellers appeared to avoid taking excessive risk as 2022 wound down even as sales volumes plummeted. (Includes two data charts.) Read More

Mortgage Insurance Volume Down in 4Q, FHA Gains Share

Rising interest rates took a bigger bite out of private MI activity than FHA business in the fourth quarter of 2022. On an annual basis, primary MI activity fell, based on agency MBS issuance, though issuance volume involving loans without MI was off by even more. (Includes two data charts.) Read More

Mortgage Financing Losing Share to Cash on Home Sales

The share of homebuyers using all cash to purchase homes rather than a mortgage is increasing. Some affluent homebuyers are avoiding purchase mortgages due to high interest rates. Read More

Lenders Face Weak Demand, Wait for Interest Rate Relief

Rate locks declined in December and loan applications fell to levels last seen in 1996. Interest rates are to blame. Economists offer some glimmers of hope for the second half of the year. Read More

Muted Optimism and a Slow Start for MSR Sales

The year just closed was a barn-burner for bulk auctions of servicing rights. As for 2023, sales could be brisk but pricing will likely disappoint. Read More

NY Proposes Climate Financial Risk Regulations

The New York Department of Financial Services proposed guidance for nonbanks and state-regulated banks outlining standards for managing material climate-related financial risks. Organizations’ efforts should be proportionate to their exposure and shouldn’t interfere with fair lending obligations. Read More

Grapevine: FTC Proposes Ban on Noncompete Clauses; New Offerings

FTC proposes banning noncompete clauses across wide swath of industries; Rocket unveils special purpose credit program; Guild joins other lenders in offering temporary buydowns. Read More

Inside Mortgage Trends

View Archived Issues

Lenders Maintain Standards Despite Falling Volume

Mortgage Insurance Volume Down in 4Q, FHA Gains Share

Mortgage Financing Losing Share to Cash on Home Sales

Lenders Face Weak Demand, Wait for Interest Rate Relief

Muted Optimism and a Slow Start for MSR Sales

NY Proposes Climate Financial Risk Regulations

Grapevine: FTC Proposes Ban on Noncompete Clauses; New Offerings

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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

January 6, 2023

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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?