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Inside Mortgage Trends

December 13, 2024

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Correspondents Gain Share in Conventional Conforming in 3Q

The correspondent channel’s share of originations increased for both conventional-conforming loans and nonconforming mortgages in the third quarter, according to a survey of lenders. Meanwhile, brokers gained share in the government-insured market. (Includes two data tables.) Read More

Mortgage-Banking Income Grows at Most Depositories

Combined, banks and thrifts reported $2.21 billion in mortgage-banking income during the third quarter, a slight increase from the previous period. Through the first nine months of the year, industry earnings were up 8.7% from the same period in 2023. (Includes data table.) Read More

Banks Increase Sales of Mortgages in Third Quarter

Sales of mortgages by banks increased by 20.5% in the third quarter even as the top bank reduced its sales. Eight of the 10 top banks boosted their sales from the second quarter. (Includes two data tables.) Read More

Housing Supply Improving, But Affordability Still a Concern

Additional inventory is expected to hit the market next year but homebuyers are expected to continue to face affordability issues. Read More

Fed Researchers Quantify the Lock-In Effect

Federal Reserve researchers found that pandemic-era interest rates reduced mobility by 44%, as many homeowners are reluctant to let go of their low interest rates. Read More

NAAHL Panel Explores Wealth and Homeownership Gaps

More needs to be done to close the racial and ethnic homeownership gaps, according to speakers at a conference hosted by the National Association of Affordable Housing Lenders. Read More

Commission Changes Causing Confusion During Home Sales

In a recent survey, real estate agents told HomeLight that changes to their commission structure has caused confusion for their clients and added new hurdles to the homebuying process. Read More

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