#mortgage-demand
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fromwww.housingwire.com
2 days agoMortgage lenders ramp up homebuilder divisions
Ginsburg stated that treating builder business as a core pillar rather than a side channel reflects a broader industry shift. He believes a healthy balance of builders should be around 15% to 20% of the overall retail book of business.
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fromLondon Business News | Londonlovesbusiness.com
2 days agoEvery time you borrow from a bank, you're paying more than you think - London Business News | Londonlovesbusiness.com
Opportunity cost in loans includes lost potential earnings from repayment dollars, not just the interest rate paid.
Real estate
fromwww.housingwire.com
2 weeks agoLower rates aren't enough: What mortgage lenders and servicers must do to set spring homebuyers up for long-term success
Interest rates easing may improve buyer sentiment, but sustainable homeownership relies more on managing cash flow than just lower rates.
Real estate
fromwww.housingwire.com
3 weeks agoIs it time to bring banks back to the mortgage business?
Mortgage loan origination collapsed from 14.2 million in 2021 to under 5 million in 2023, with independent mortgage banks filling the gap while maintaining quality, yet regulators and industry leaders argue banks should re-engage to restore competition and customer relationships.
fromwww.housingwire.com
2 months agoLower mortgage rates support steady new home sales
Sales of new single-family houses in October 2025 were at a seasonally-adjusted annual rate of 737,000, according to estimates released jointly today by the U.S. Census Bureau and the Department of Housing and Urban Development. This is 0.1 percent (14.2 percent)* below the September 2025 rate of 738,000, and is 18.7 percent (21.7 percent)* above the October 2024 rate of 621,000. There were some negative revisions to the past three months, but the trend still stayed positive.
Real estate
fromwww.housingwire.com
1 month agoMortgage affordability at four-year high after rates fell in January
Nearly 1.3 million mortgages including more than 500,000 originated in 2025 carry rates between 6.875% and 6.99%, the most sensitive group to recent rate declines. ICE cited data from the Mortgage Bankers Association, which found that refinance activity hit a 17-week high in the week ending Jan. 16, with refinances making up 62% of all applications. ICE estimates about two-thirds of these originations were rate-and-term refis.
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fromwww.housingwire.com
2 months agoHomebuying power improves as prices cool, inventory expands
Realtor Todd Luong of REMAX DFW Associates in Frisco said his recent experience reflects meaningful improvement for buyers, even if affordability remains strained. Here in the Dallas real estate market that I serve, affordability remains a challenge, he says. However, there is a significant amount of data showing that buyer conditions have improved over the past year and that buyers are gaining affordability ground. This should eventually increase housing demand to some degree as we head into the busy spring buying season.
Real estate
fromwww.housingwire.com
2 months agoDecember jobs data continues to support lower mortgage rates
Jobs Friday came and went without much reaction in bond yields because the labor market isn't breaking, nor is it getting stronger. Mortgage rates dropped into the 5s for a short time on Friday as a result of Trump's earlier announcement directing the GSEs to buy $200 billion in mortgage backed securities. The 10-year yield didn't move much after the report.
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