lb - Curinos

Curinos Review Spring 2025

Stubbornly high rates persist, home lending remains sluggish, and doubts linger about growing the asset side of the balance sheet. Still, Curinos believes the recent industry headwinds will soon be at our backs and now’s the time prepare for significant growth.

READ TIME: 4 MINS

March 17, 2025

According To The Data // Insights

Home Lending: Don’t Discount the Buydown

Even with the expectation of an interest-rates thaw in the year ahead, home-lending affordability remains a significant challenge for both borrowers and lenders.

READ TIME: 1 MIN

March 13, 2025

Insights // Mortgage Hot Topics

Mortgage Hot Topics by Curinos

According to Curinos' new proprietary application index, refinances increased 36% week over week and increased 2% in February.

READ TIME: 1 MIN

March 5, 2025

According To The Data // Insights

Rates and Economic Outlook
Spurring HELOC Growth

The demand for home equity lines of credit (HELOC) remained mostly lethargic throughout 2024, despite the positive economic tailwinds at its back such as increased homeowner equity and low unemployment.

READ TIME: 1 MIN

February 6, 2025

According To The Data // Insights

To Make Small Business Profitable, Look at the Entire Relationship

In small business lending, demand continues to exceed supply, especially on the lower end of the spectrum that measures a company’s gross annual revenue.

READ TIME: 1 MIN

January 14, 2025

According To The Data // Insights

The Lock-in Effect Spells Opportunity for Home Equity Lending

For a solid majority of homeowners, refinancing a mortgage in today’s market would mean replacing a low-interest loan with a new one at a significantly higher rate.

READ TIME: 1 MIN

December 17, 2024

According To The Data // Insights

Regional Pricing: With the Game Changing, Time to Leverage WAMP

At Curinos, we believe, and our data confirm, that not all markets are created equal – variation in regional (state-to-state) pricing is on the increase.

READ TIME: 1 MIN

November 21, 2024

According To The Data // Insights

Growth of Government-Insured Mortgages

Three years ago, government-insured loans represented about 15% of the mortgage market. Today, they’ve almost doubled, to 27%. That’s the highest level in recent memory, and it’s causing a shift in the mortgage-lending landscape.

READ TIME: 2 MINS

November 14, 2024

Curinos Perspectives // Insights

Curinos Perspective: As Expected, the Fed Cuts Another 25 bp

As was widely expected in the markets, the FOMC cut the target range for the Federal Fund rate by 25 basis points to a range of 4.5% to 4.75%.

READ TIME: 4 MINS

November 7, 2024

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