February 17, 2023

FHFA Database Shows Boost in GSE Share Since Crisis

The FHFA's National Mortgage Database offers interesting comparisons between the GSE market and conventional-conforming loans that are funded elsewhere. (Includes data chart.) Read More

Banks’ Servicing Valuations Soften in Fourth Quarter

Commercial banks and savings institutions increased the amount of mortgage servicing they handle for other entities in the fourth quarter of 2022, although valuations for the asset declined. (Includes data chart.) Read More

Servicers Cautioned Against ‘Scope Creep’ in Tech Projects

Mortgage servicing companies’ business and information technology divisions must work together to ensure timely approval for new technology, according to speakers at a recent webinar. Read More

Large Nonbanks Don’t Face Imminent Risk With Debts

The seven nonbank mortgage companies tracked by Fitch Ratings don’t have any unsecured debt set to mature this year, and only Freedom Mortgage has a relatively small amount of unsecured debt that will mature in 2024. Read More

Occupancy Fraud More Prevalent than Previously Thought

Researchers with the Federal Reserve Bank of Philadelphia found a much higher share of mortgages for investment properties than would otherwise be indicated from the occupancy status stated on loan applications. Read More

MISMO Releases Decision Model for Application Dates

The Mortgage Industry Standards Maintenance Organization has introduced an application date decision model and white paper on how lenders can combine standardized terms and decision modeling techniques to help ensure compliance with TRID. Read More

The Causes of Unsustainable Homeownership Among First Timers

Except for credit scores, traditional underwriting criteria are relatively poor predictors of homeownership longevity for first-time borrowers. Read More

Grapevine: Applications Stumble; More Pushback on ICE/Black Knight

Applications stumbled in early February; rate locks increased in January; consulting firm opposes ICE’s planned acquisition of Black Knight; FHA ditches paper filing; Black Knight adds eNote and eVault tech. Read More

Inside Mortgage Trends

View Archived Issues

FHFA Database Shows Boost in GSE Share Since Crisis

Banks’ Servicing Valuations Soften in Fourth Quarter

Servicers Cautioned Against ‘Scope Creep’ in Tech Projects

Large Nonbanks Don’t Face Imminent Risk With Debts

Occupancy Fraud More Prevalent than Previously Thought

MISMO Releases Decision Model for Application Dates

The Causes of Unsustainable Homeownership Among First Timers

Grapevine: Applications Stumble; More Pushback on ICE/Black Knight

Latest Imf News

Retail Channel Regains Some Share of Originations in 2025

ARMs From Nonbanks Head Into MBS From Redwood

Non-Agency MBS Issuers Expect Benefits From Disclosure Shift

FHA Faulted on Now-Rescinded Foreclosure Sale Program

Featured Data

Bank Servicing Declines in 4Q, MSR Fair Values Up

Mortgage-Banking Earnings at Banks Level Off in 4Q

Fannie Mae, Freddie Mac Profits Decline in 2025

Home Equity Loan Securitization Growth Levels Off

Featured Reports

Top Mortgage Players: 3Q25 (PDF)

Lender Profiles 3Q25: Top 25 (PDF subscription)

Mortgage Profitability Report 3Q25 (PDF)

Agency Channel Analysis: 4Q25 (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

February 17, 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?