"The 2026 housing market will be defined by interest rate scenarios and AI advancements according to Joseph Panebianco. AI Summary One key theme among top mortgage players is how they use data to drive their success and guide their decisions. AnnieMac Home Mortgage CEO Joseph Panebianco will pull back the curtain and discuss his approach during his session at the Housing Economic Summit in Dallas on Feb. 10. In this Q&A, Panebianco shares his take on leveraging data, the 2026 housing market and more."
"Joseph Panebianco: This is the year (and probably by Q2 26) we'll find out whether policies and the economy lead towards slower growth/high unemployment or stable growth/renewed firmness in the labor market. In other words, the winner of Logan's Labor vs. Inflation fight could finally be determined. The reason this is more important than normal is because we're on the precipice of that magic rate that will spur the additional activity (or not) that will keep IMBs in the black or red."
"JP: Data isn't gaining more importance.it's always been important but many folks just don't apply it in their decision-making process as much as they should/could. The most critical data points for IMBs in 2026 are a continued monitoring, reporting and taking action on their base, best and worst-case scenarios for interest rates. Worst Case: What happens to your volume and revenue if Inflation beats Labor?"
2026 will reveal whether policies and the economy push toward slower growth and high unemployment or toward stable growth with renewed labor-market firmness. A pivotal “magic rate” could either spur additional activity or fail to, determining whether independent mortgage banks (IMBs) operate in the black or red. Interest-rate outcomes will affect M&A activity, banker versus broker market share, refinance growth, and regional and national inventory trends. Data-driven monitoring of base, best and worst-case rate scenarios is critical for planning. Worst-case planning should evaluate volume and revenue impacts and ensure management teams can execute prepared actions.
Read at www.housingwire.com
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