Industry Trends

For more than a decade, policymakers, researchers, and industry stakeholders have focused on addressing a persistent shortage of housing in the United States. However, changing demographic and market conditions suggest that the housing landscape may look markedly different in the years ahead. This is according to a new white paper released by the Mortgage Bankers Association (MBA) examining recent and emerging shifts in U.S. housing demand and supply.

The center of gravity for mortgage digital investment has shifted decisively, according to  STRATMOR Group, a mortgage industry advisory firm. Senior Partner Nicole Yung draws on the results from the newly released 2025 STRATMOR Technology Insight Study (TIS) Digital Innovations module to argue that borrower-facing digital basics are now table stakes — and that the real opportunity lies in back-office processing, closing, and post-closing functions that borrowers never see.

ATTOM released its U.S. Residential Property Mortgage Origination Report for the first quarter of 2026, showing overall lending activity slowed as elevated home prices and rising mortgage rates continued to pressure buyers.

ATTOM released its annual property tax analysis, which shows that $396.8 billion in property taxes were levied on more than 89.6 million single-family homes in 2025, up 3.7 percent from 2024.

ATTOM, a curator of land, property data, and real estate analytics, has launched Transparent Owner, a powerful new data product that identifies the true individuals behind residential property ownership in the United States.

The number of consumers whose rent payments are reported to credit reporting agencies rose to 13% in 2025, up from 11% in 2024, according to a new TransUnion (NYSE: TRU) report. This trend may gain momentum after the announcement of a policy from the Federal Housing Finance Agency (FHFA) that will make it easier for rent payments to help consumers qualify for mortgages.

ATTOM released its Q2 2025 U.S. Residential Property Mortgage Origination Report, which shows that 1.76 million mortgages secured by residential property (1 to 4 units) were issued in the second quarter of 2025. That marked a 19.4 percent increase from the prior quarter and a 6.3 percent uptick from the same period last year.

Mortgage lenders navigating today’s unpredictable environment need more than resilience—they need strategic agility. That’s the core message from STRATMOR Group Senior Partner Garth Graham, who shares practical recommendations for staying competitive amid policy shifts, rate volatility, and shrinking margins in the mortgage advisory firm’s latest Insights Report.

Cotality, a global property information, analytics, and data-enabled solutions provider, released its latest findings on the housing and mortgage markets. While the spring homebuying season is in full swing, homebuying activity continues to be challenged by elevated and volatile mortgage rates as well as affordability challenges resulting from surging costs of insurance and property taxes. These market dynamics are putting pressure on existing homeowners as well as future buyers. At the same time, pockets of homebuyers are benefiting from increased for-sale inventories and a slower rate of home price appreciation, particularly among condominium homes.

Community Home Lenders of America (CHLA) released its yearly research study report titled, “CHLA 2024 Report on Independent Mortgage Banks.” Here’s what it found: