June 9, 2023

Margins Help Production as Servicing Results Are Mixed

Originations were down in the first quarter, but gain-on-sale margins improved. Having a hand in the servicing business helped some firms turn a profit. Read More

Mortgage-Banking Income at Banks Improves in First Quarter

Mortgage-banking income at banks and thrifts increased by 36% in the first three months of 2023. Still, earnings were below the levels seen in the first quarter of last year. Read More

Lenders That Invest in Technology Make More Loans

Banks with higher IT expenditures are significantly less likely to reject the applications of borrowers that are observably riskier, according to new research. Read More

Non-QM Originators See Early Potential for AI

Technology vendors tout the potential of automation in the non-QM space while warning that AI still has a way to go. Read More

Lenders Advised to Maintain Hedging, Adjust Loan Sales

Expanded use of bid-tape AOT transactions and mandatory mortgage deliveries increase lender efficiencies and boost profits, according to hedge consultancy Mortgage Capital Trading. Read More

Navy Federal Offers Rate Drop Without a Refinance

Borrowers with certain fixed-rate mortgages from Navy Federal Credit Union can now have their interest rate lowered when rates offered by the lender decline. No refi necessary, only a $250 fee. Read More

Affordability Hurdles Chill Homebuying Sentiment

The share of consumers surveyed by Fannie Mae in May who said now is a good time to buy a home decreased by 4 percentage points from April, while the share of respondents who said now is a good time to sell increased by 3 percentage points. Read More

Grapevine: Rate Locks Down in May; New MISMO Reference Model

Rate locks decline; MISMO launches latest reference model; CFPB warns on the use of chatbots; Chase to pay mortgage seekers to shop with the bank; mortgage market losing share to cash buyers; data breaches lead to increase in denial of mortgage credit. Read More

Inside Mortgage Trends

View Archived Issues

Margins Help Production as Servicing Results Are Mixed

Mortgage-Banking Income at Banks Improves in First Quarter

Lenders That Invest in Technology Make More Loans

Non-QM Originators See Early Potential for AI

Lenders Advised to Maintain Hedging, Adjust Loan Sales

Navy Federal Offers Rate Drop Without a Refinance

Affordability Hurdles Chill Homebuying Sentiment

Grapevine: Rate Locks Down in May; New MISMO Reference Model

Latest Imf News

Refi Deliveries to GSEs Level Off in January

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FHFA, Ginnie to Increase Oversight of Nonbank Servicers

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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

June 9, 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?