Mortgage Hot Topics by Curinos
December 2025 funded mortgage volume increased 20% YoY and increased 17% MoM. In the Retail channel, funded volume increased 34% YoY and increased 13% MoM.
READ TIME: 1 MIN
January 9, 2026
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Curinos Review Fall 2025
Banking is being rewired before our eyes. Artificial intelligence, decision intelligence and the redefinition of customer value are transforming how financial institutions grow, compete and serve. What once felt theoretical is now operational reality—and the pace of change has never been faster.
READ TIME: 4 MINS
November 5, 2025
Curinos Review Summer 2025
We’re entering the strategic planning season for 2026 amid elevated uncertainty, and as tempting as it may be, among the least useful approaches to planning is to be too reticent. At Curinos, we think this is a time to plan for and take decisive action, which is why we’ve titled our Summer issue of Curinos Review Heightened Uncertainty Calls for Transformational Thinking.
READ TIME: 4 MINS
July 1, 2025
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
LMI Lending: Considerations For Success
Lending in low- to moderate-income (LMI) areas and households is a cornerstone to successfully complying with the Community Reinvestment Act (CRA). One often-overlooked component of LMI is making sure lending products and credit guidelines fit the needs of borrower profiles.
READ TIME: 1 MIN
July 9, 2024
Curinos Perspective: FOMC 2H Outlook – The Implications Of Higher For Longer
The FOMC held the Federal Funds target range flat at 5.25% to 5.5%. As previously communicated, the Fed has tapered quantitative tightening by $35B, lowering the redemption cap from $95 billion per month to $60 billion per month.
READ TIME: 9 MINS
June 13, 2024
FHA Rates Are Attracting Higher-Quality Borrowers
The biggest rate gap in 15 years between FHA and conforming loans has boosted FHA volumes, and today’s borrowers come with better quality than in the past.
READ TIME: 1 MIN
March 5, 2024
Curinos Perspective: Taking Stock Of The Rate Cycle And Its Implications
As expected, the FOMC held the Fed Funds rate unchanged at a target range of 5.25% to 5.5%. Current market expectations are that we’re at the peak rate for this cycle and that modest cuts will come through 2024.
READ TIME: 4 MINS
December 13, 2023
Curinos Perspective: Fed Holds Rates Steady Again, Home-Lending Pressures Continue
As expected, the FOMC has held the Federal Funds rate flat in a target range of 5.25% to 5.50%. But even as the Fed continues its pause, rates for home lending and deposits are likely to remain elevated. That’s because key inflation and macroeconomic indicators take time to play out, and a continuing tidal wave of low-interest renewing CDs will intensify the competition for rate shoppers.
READ TIME: 6 MINS
November 1, 2023
