Refinance

Only a fraction of mortgage borrowers return to their servicers to originate or refinance a mortgage loan, and it may be the industry's fault for not exhausting enough effort to keep them around.

Mortgage applications increased 5.3% from one week earlier, as the stable rate environment enticed homebuyers into the market, according to the Mortgage Bankers Association.

Mortgage prepayment speeds fell to a 19-year trough despite recent interest rate declines, but could rise if those lower rates lead to an increase in home purchases, according to Black Knight.

As expected economic growth remains at 2.2% — down from 2018's 3.1% — 2019 should only be accompanied by a solitary rate hike from the Federal Reserve, according to Fannie Mae.

From FICOs to purchase volume, here's a look at seven mortgage lending trends that will shape the housing market this year.

Mortgage applications rose for the first time in five weeks as key interest rates held steady, according to the Mortgage Bankers Association.

Refinance volume slipped following growth in mortgage rates, and loans refinanced through the Home Affordable Housing Program barely made a dent in overall volume, according to the Federal Housing Finance Agency.

Mortgage applications decreased 3.7% from one week earlier, because of consumer concerns over the direction of the economy outweighed lower interest rates, according to the Mortgage Bankers Association.

Millennials are unfazed by the short supply of starter homes in a competitive market based on the rising share of December's purchase mortgages, according to Ellie Mae.

Mortgage applications decreased 2.5% from one week earlier, even as interest rates fell to their lowest levels in 10 months, according to the Mortgage Bankers Association.

Popular TV shows about house fixers and flippers have sparked consumer interest in remodeling, creating an opportunity for lenders to build a specialty in renovation loans while traditional mortgage lending is weak.

Better credit quality and the influx of refinancing during the low interest rates of the last few years pushed mortgage performance to the highest levels since the turn of the century, according to Black Knight.

Mortgage application defect risk was at its highest level in four years because of higher interest rates as well as natural disasters during the latter part of 2018, according to First American.

Ginnie Mae has restricted loanDepot's ability to securitize Veterans Affairs mortgages because of apparent churning of recent originations.

Mortgage originations for the next two years will be higher than previously expected as lower interest rates at the end of 2018 will lead to more refinance volume, Freddie Mac said.

Mortgage application activity decreased 3% from one week earlier as rates for conventional loans continued to move higher, according to the Mortgage Bankers Association.

As 30-year fixed-rate mortgages rose 30 basis points year-over-year, non-QM originations are estimated to grow 400% in 2019.

Mortgage application activity decreased from one week earlier as rising interest rates cooled borrowers' interest in getting a loan, according to the Mortgage Bankers Association.

Flagstar Bancorp's acquisition of 52 Midwest branches of Wells Fargo helped increase its core customer base, but its mortgage results were lower than anticipated in the fourth quarter, according to the Troy, Mich.-based bank.

Slower growth to interest rates and home prices will boost housing affordability in 2019, according to Fannie Mae.