April 5, 2024

Refis With Primary MI in Agency MBS Spike in First Quarter

While mortgages with primary insurance coverage included in agency mortgage-backed securities declined in the first quarter overall, VA refi volume jumped. (Includes two data tables.) Read More

Some Signs of Credit Loosening in GSE Volume

The share of higher-risk lending going to the GSEs expanded slightly in the first quarter, but high-credit score mortgages continued to dominate business at Fannie Mae and Freddie Mac. (Includes two data tables.) Read More

Housing Supply, Affordability Issues Expected to Persist

Mark Jones, chair of the Mortgage Bankers Association, expects home sales to remain suppressed due to limited supply and elevated interest rates. Read More

Better Shifts to Commission Model for LO Compensation

Better saw improvements in its pull-through rates in a pilot program in which the lender paid its LOs commissions. The lender found that its no-commission model didn’t work well for purchase mortgages. Read More

Lender, Real Estate Agency Mergers Show Mixed Results

A new research paper finds that mergers between real estate agencies and lenders can help boost origination market share but can also cost borrowers more in the long run. Read More

FDIC Working to Boost Mortgage Lending by Banks

The FDIC’s updated economic inclusion strategic plan includes a goal to increase mortgage lending by banks. The plan leans heavily on education and outreach, though CRA credit could also be an option. Read More

UWM Loses Bid to Move Employment Dispute to Arbitration

A Michigan appeals court judge affirmed that UWM’s move to compel arbitration in a dispute with a former employee was seven months too late. Read More

Grapevine: Lenders Meeting Borrower Expectations; Rates Too High

The mortgage process met or exceeded the expectations of many homebuyers; interest rates look to be too high for potential homebuyers; the defect rate on mortgages declined again; tech vendor raises $19 million; Altisource Asset Management exits mortgage market. Read More

Inside Mortgage Trends

View Archived Issues

Refis With Primary MI in Agency MBS Spike in First Quarter

Some Signs of Credit Loosening in GSE Volume

Housing Supply, Affordability Issues Expected to Persist

Better Shifts to Commission Model for LO Compensation

Lender, Real Estate Agency Mergers Show Mixed Results

FDIC Working to Boost Mortgage Lending by Banks

UWM Loses Bid to Move Employment Dispute to Arbitration

Grapevine: Lenders Meeting Borrower Expectations; Rates Too High

Latest Imf News

Refi Lending Spikes in 4Q, Purchase Mortgages Slow

Delinquencies Climb During Fourth Quarter, Led by FHA

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Onity’s Earnings Helped by Release of Tax Valuation Allowance

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 Servicing Rights Report: 3Q25 (PDF)

IMF Mortgage Directory: Full interactive database

Agency Seller-Issuer Profile: 3Q25 (PDF)

IMF HMDA Dashboard: 2024

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

April 5, 2024

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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?