Origination

Homeownership may have declined in 2014, but there are other trends and factors such as marriage and children, education, demographics, and lifestyle that influence how consumers operate in the market.

Banks lowered mortgage lending standards in the third quarter of 2015, according to the Federal Reserve's Senior Loan Officer Opinion Survey on Bank Lending Practices.

Supply and demand challenges are expected to slow down existing-home sales to early summer levels at 5.44 million units, according to Auction.com’s Real Estate Nowcast.

Purchase mortgage originations rose significantly in 2015, driven by high-credit borrowers, according to Black Knight Financial Services’ latest Mortgage Monitor Report.

With technological advances happening constantly in the mortgage industry, lenders may still be passing up opportunities to reach potential borrowers due to a lack of focus on mobile channels. According to Fannie Mae's Mortgage Lender Sentiment Survey, 40 percent of lender plan to offer a mobile application in the next year, but there are some lenders that have already got the jump on mobile technology.

Segregation is virtually abolished with respect to almost every facet of the American dream, except for one. Whether unintentionally or intentional in nature, there is a great divide and disparity in the statistics between minority and white borrowers in the mortgage market. This select print feature appears in the October 2015 edition of MReport magazine, available now.

Michael Stegman, President Obama’s top adviser on housing policy, recently addressed some of the mortgage industry's hot-button topics such as housing market recovery, homeownership support for struggling buyers, GSE reform, and risk sharing.

Pending home sales loss more momentum in September 2015 for the second consecutive month due to scarce housing inventory, the National Association of Realtors announced Thursday.

First American released their Loan Application Defect Index for September 2015 on Wednesday, which reflects estimated mortgage loan defect rates over time, by geography and by loan type, and estimates the frequency of defects in the information submitted in mortgage loan applications. According to the Index, loan defects in mortgage applications declined 1.2 percent from August to September. The Index is now down 20.6 percent from the high point of risk in October 2013.

Sustainable homeownership is the “gateway to the middle class” for many Americans and is the primary source of wealth creation for many, which is why increasing the homeownership rate is so critical to a healthy economy, according to a panel at a housing forum in Washington, D.C., on Tuesday.