Many people successfully purchase homes while still carrying student debt. What matters most isn't whether you have debt, it's how well you manage it.
JPMorgan Chase's origination volume hit $13.7 billion in the first quarter, down 14% from the prior quarter and up 46% from the same period last year. Retail channels drove most of the production, accounting for 63.5% of the total. The bank's home lending revenues reached $1.23 billion in the first quarter, up 2% year over year.
Steve Murray, co-founder of RealTrends Consulting, stated that anyone claiming privately owned independent brokerages cannot compete is misinformed. The data indicates otherwise, showing their resilience and success.
Programs work by preventing lenders' retail teams from contacting borrowers who are already in a broker's active pipeline, automatically routing these customers back to their original advisers. They also monitor common refinance intent signals such as payoff requests and add the brokerage firm's contact information to borrowers' statements.
The 55 HomeLoan is structured to deliver approvals in as little as five minutes and funding in as few as five days, providing borrowers with a cash-like option for speed and certainty of close.
As a subservicer, we are completely subject to the origination volumes of our lender clients. Generally, they are all optimistic that 2026 will generate higher volumes than 2025, but by what amount is not clear. Structural constraints are limiting broader industry expansion, and targeted improvements to the HECM program are needed.
Original, or first-participation, HMBS production totaled $382 million in January, $90 million more than December's $292 million and $49 million above November's $333 million, but $24 million below January 2025. Tail issuance totaled $179 million, down from $189 million in December. The 72 pools included 23 original pools, 46 tail pools, and three mixed pools. January also saw 21 pools with aggregate sizes under $1 million, totaling $12.1 million in unpaid principal balance (UPB), enabled by a Ginnie Mae rule allowing small pools.