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| Dark Matter Changes; Mfg. DPA, QC, AI, Data Decisioning Tools; A Strained Housing Market; Insurance/Climate Interview | ||
| 4/17/2026 10:10 AM | ||
| The MBA"s National Advocacy Conference in DC wrapped up this week, and any time you have a gaggle of mortgage personnel in one place, talk in the hallways inevitably turned to current market conditions. For example, servicing rights have increased in value, and MSR trading multiples are in the mid 5x range for certain cohorts (markedly higher than ...Read More | ||
| Why Are Bonds Surging This Morning? | ||
| 4/17/2026 8:20 AM | ||
| Bonds were modestly and inconsequentially stronger in the overnight session. By 8am, this brought 10yr yields just under 4.30%. Less than an hour later, yields fell to 4.23 and MBS rose over 3/8ths of a point on a trio of headlines. The first was a detail from a proposed plan to end the war (involving unfreezing Iranian assets in exchange for...Read More | ||
| Volatility Picked Up After a Slow Start | ||
| 4/16/2026 3:26 PM | ||
| Volatility Picked Up After a Slow Start This morning, more than halfway through the international trading day, bonds were on track for the narrowest trading range since February 24th. The low volatility didn"t last. Sellers surfaced in response to several war-related headlines. Bond yields followed oil pric...Read More | ||
| Mortgage Rates Hold Perfectly Steady | ||
| 4/16/2026 2:52 PM | ||
| On average, today"s top-tier 30 year fixed mortgage rates are exactly the same as yesterday"s. Rates are driven by the bond market and bonds continue waiting for bigger developments in the Iran war. At the moment, the market is in a sort of limbo as time remains on the 2-week ceasefire. In the meantime, there"s a multitude of lower consequence war...Read More | ||
| AOT, Warehouse, Homebuyer Report, Subservicing Tools; STRATMOR"s "Who Owns the Borrower?" Population Trends | ||
| 4/16/2026 10:22 AM | ||
| The U.S. Census Bureau released a downloadable file containing estimates of the nation’s resident population by single year of age and sex as of July 1, 2025. Nationwide lenders are always analyzing branch locations and market share. America’s post-pandemic relocation surge is losing momentum, with interstate migration falling to a decade low as on...Read More | ||
| Slowest Day in Over a Month. No Reaction to Data | ||
| 4/16/2026 8:33 AM | ||
| Thursday has thus far been the slowest and most sideways day since February 24th, before the start of the Iran war. A lull in war-related developments is likely helping. While there are plenty of isolated headlines, the only thing the market really cares about is the timeline for the war to be over. As such, the present ceasefire is a sort of ...Read More | ||
| Very Small Token Pull-Back | ||
| 4/15/2026 2:59 PM | ||
| Very Small Token Pull-Back Nothing really happened on Wednesday as far as the bond market was concerned. Yields were technically a few bps higher thus preserving the phenomenon of rally momentum being limited to 48-hour windows since the start of the Iran war. Despite a barrage of war-related headlines, the...Read More | ||
| Mortgage Rates Essentially Sideways at Recent Lows | ||
| 4/15/2026 2:20 PM | ||
| On Tuesday, the average top-tier 30yr fixed mortgage rate hit the lowest level in exactly 4 weeks. If you"re not interested in splitting hairs, today"s rates are essentially the same. Although our official average is 0.01% higher, that"s such a small change that many of today"s rate quotes will look the same as yesterday"s. In the bigger pic...Read More | ||
| TBA Bidding, HELOC, DSCR, CRM, HMDA Analysis, MI Tools; Events Throughout 2026 | ||
| 4/15/2026 10:55 AM | ||
| According to Curinos’ proprietary application index, March 2026 funded mortgage volume increased 35 percent y-o-y and increased 30 percent m-o-m. How did your company stack up? Curinos calculates that refinance and purchase rates were 5-6 basis points lower m-o-m and about 73 basis points y-o-y. (Curinos sources a statistically significant data set...Read More | ||
| Bonds Growing Tired of "Game On! Game Off!" News Cycle | ||
| 4/15/2026 9:34 AM | ||
| Markets have plenty of war-related headlines to digest at any given moment these days. And while some of those headlines have been the biggest market movers of the month, traders are increasingly focusing on the examples that speak to the biggest-picture changes. Specifically, markets aren"t as interested in Wayne and Garth saying "game on" an...Read More | ||