Mortgage originations are projected to grow moderately this year as both purchase activity and refinance demand increase.

However, underwriting standards remain disciplined. Lenders are focused on:

• Debt-to-income accuracy
• Stable employment documentation
• Real income verification

One major trend: data-driven underwriting and automation. AI-assisted processing is reducing turnaround times and improving accuracy, benefiting borrowers through smoother approvals.

Delinquency rates remain relatively stable but are being closely monitored. Responsible lending is central to maintaining long-term market health.

Borrowers today benefit from a more transparent process than ever before.