Origination numbers are up even as loan amounts level off. Following a rate cut in December 2024, the Federal Reserve has maintained the same federal funds target rate for the first four consecutive FOMC meetings in 2025. They remained cautious due to inflation concerns and economic uncertainties. Volume and Growth Changes First-quarter 2025 saw a [...]
The nation’s top ten private lenders originated nearly a quarter of all residential volume, even as the number of lenders grew 15 percent. Michael Fogliano and Sean Morgan, Forecasa Several key trends shaped the 2024 private lending market. Among these were shifts in origination volume, loan sizes, geographic distribution, lender competition, and product mix. This [...]
As residential refinance activity declines, the origination-starved conventional mortgage industry has more than doubled its appetite for debt service coverage ratio loan products. Originations—both conventional and private—have been increasing annually since 2019, peaking in 2022. Current levels remain higher than those in previous years, and projections suggest even more originations in 2024 than in 2023. [...]
This article was co-authored by Michael Fogliano, Forecasa, and Sean Morgan, Forecasa. Although still below the highs of Spring 2022, the private lending market has shown signs of recovery in the first half of 2024. In aggregate, the private lending market still isn't near its spring 2022 highs, but it has been gaining steam through [...]
Examining three states with the highest foreclosure rates will help you assess risk and strengthen your lending portfolio. Tracking residential foreclosure data is vital for understanding both the health of the housing market and its impact on the broader U.S. economy. This is somewhat common knowledge to those in private lending. We’re all too familiar [...]
In the changing lending landscape, private lenders have three basic options when originating loans. Which option is best for you? The terms “data” and “analytics” have become ubiquitous for good reason. Within every industry, there has been a huge shift from reliance on personal networks to gather anecdotal information to a more tech-savvy approach to [...]
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