2025 Housing Market Loan Officers Mortgage 
Housing Wire
MARCH 5, 2024
“ Recovery year ” was the theme heading into 2024 as mortgage professionals hoped for some reprieve in a frozen housing market characterized by high interest rates, low inventory levels and sluggish sales. A little more than two months into the year, however, mortgage rates are the highest they’ve been as the U.S.
Housing Wire
DECEMBER 14, 2023
The holidays have come early for the mortgage industry. Mortgage rates fell below the 7% threshold this week as markets prepared for Federal Reserve Chairman Jerome Powell’s announcement on Wednesday. The 30-year, fixed mortgage rate averaged 6.95% for the week ending Dec. on Thursday.
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Housing Wire
DECEMBER 11, 2023
After hitting a 23-year high of 8% in October, mortgage rates have cooled down to the lowest levels since July. The mortgage rate dip is welcome news for the housing market, but loan originators and industry executives emphasized that rates need to decline further and remain stable to reinvigorate buyers’ demand.
Housing Wire
DECEMBER 29, 2023
After nearly two years of trudging through a frozen housing market , the consensus among mortgage professionals is that the worst of it is over. The spread between the 30-year fixed-rate mortgage and the 10-year Treasury yield has narrowed after sitting at over 300 basis points, compared to the historic norm of 150 bps.
Housing Wire
SEPTEMBER 7, 2023
Equity Prime Mortgage (EPM) has completely shifted to the TPO business after seeing growth opportunities in the wholesale channel, a distribution channel that’s been growing in recent years. Many of EPM’s retail loan officers transitioned to Informed Mortgage , a lender Carpitella launched in August.
Housing Wire
AUGUST 25, 2022
Like its peers, the wholesale lender’s origination volume has plunged over the past year due to a dearth of refinancings and a sluggish purchase market. That has contributed to UWM’s competitors taking losses on loans when they can least afford it. Jumbo loan volume increased 3.1% Homepoint’s financial statements tell the story.
Housing Wire
JULY 19, 2023
The dour housing market over the past 18 months has thrust struggling independent mortgage lenders (IMBs) into what seems like a pot of water that is coming slowly to a boil. As the heat rises, so too does the number of lenders seeking to exit the market. We have calls with lenders every single week in that category.”
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