IMB profits per loan rise in 2025 but remain below historic norms
Profitability improved in 2025 despite rising origination costs and compressed production margins, highlighting the importance of servicing income for lenders.
The 200-Basis-point gap: Why many lenders are leaving money on the table
A persistent 200 basis point performance gap between top and bottom tier lenders reflects structural industry inefficiency, not cyclical conditions, with top lenders earning 139 basis points while bottom lenders lose 70 basis points.