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Inside Mortgage Trends

September 6, 2024

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Gain in Production Income Offsets 2Q24 Servicing Drag

Improving efficiency played a big role in boosting mortgage-banking profits in the second quarter as gain-on-sale margins narrowed while servicing took a hit on net MSR valuation. (Includes data table.) Read More

Mortgage-Banking Income at Banks Up Slightly in 2Q24

Trends varied significantly among banks and thrifts, with five of the top 10 reporting declines in mortgage-banking income during the second quarter. (Includes data table.) Read More

Bank Repurchases Down Sharply in Second Quarter

Mortgage repurchases by banks and thrifts during the second quarter were the lowest since before the 2008 financial crisis, according to a new Inside Mortgage Trends analysis of call-report data. (Includes data table.) Read More

Implementing AI in the Mortgage Space

One reason companies should formally adopt generative AI is that three-quarters of employees say they already use ChatGPT or one of its competitors in the workplace. Read More

MISMO Simplifies Standards Implementation

The introduction of MISMO Link should democratize the creation and implementation of standards and processes even among those that aren’t MISMO standards experts. Read More

AI, Automation Can Help Lenders Reach Digital Native Borrowers

Mark Cunningham, CEO at TRAiNED, believes new technologies can be leveraged to better reach so-called digital native homebuyers. Read More

CBO Suggests Larger Role for Government in Disaster Insurance

The federal government should expand its role in the disaster insurance market to help increase availability, the Congressional Budget Office suggested in a new paper. Read More

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