IMB net production income increased significantly, reaching its highest since late 2021. The Mortgage Bankers Association reported that 80% of firms saw profits despite falling mortgage servicing rights. Strong purchase volume and a decrease in production costs contributed to rising revenues. Loan production volume rose 28.5% in Q2 2025, with purchases leading originations at 82%. Average pretax production profit improved to 25 basis points. Overall, financial performance reflected a positive trend in the industry with lowering costs and higher average loan balances contributing to profitability growth.
Of the companies reporting, 82% were IMBs and the remaining 18% were subsidiaries or other non-depository institutions.
IMB net production income reached its highest level since the fourth quarter of 2021.
Loan production volume climbed 28.5% from April through June compared to the prior three months.
Profitability was widespread: 80% of firms posted pretax net financial profits across origination and servicing businesses.
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