I am looking for authoritative research about the state of the mortgage industry in order to establish a content marketing strat

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Mortgage Industry - Reports

Some examples of recent authoritative researches on the state of the US mortgage industry include SuperMoney's 2019 US Mortgage Industry Study, Mortgage Bankers Association's White Paper on the Role of IMBs in the mortgage industry, 2019 Mortgage Market Statistical Annual by Inside Mortgage Financing, Kentley Insights' Mortgage and Nonmortgage Brokers Market Report, and Mintel's US Home Financing Market 2018 Research.

SUPERMONEY 2019 US MORTGAGE INDUSTRY STUDY

  • This industry study was published in 2019 by SuperMoney, an online financial comparison platform that partners with the mortgage industry's leading mortgage lenders, and helps Americans make smart financial decisions.
  • To provide comprehensive mortgage industry trends and statistics in the US, SuperMoney gleaned vital mortgage industry data from a plethora of reputable research bodies and industry players such as Inside Mortgage Finance, leading bank and non-bank mortgage lenders in the United States, Federal Reserve Consumer Credit Panel, Federal Reserve Board, CoreLogic, eMBS, among others.
  • The SuperMoney US industry mortgage study contains important mortgage industry data on growth of total mortgage debt, factors that determine the cost of a mortgage, how technology is disrupting the mortgage industry in the United States, size of the American mortgage market, top mortgage lenders in America by volume, mortgage industry delinquency rates, mortgage down payments, and origination fees, as well as a myriad of other important mortgage industry data.

THE RISING ROLE OF INDEPENDENT MORTGAGE BANK — BENEFITS AND POLICY IMPLICATIONS WHITE PAPER

  • This latest white paper from Mortgage Bankers Association discusses the role Independent Mortage Banks (IMBs) play in the US mortgage industry.
  • The white paper also discusses the benefits and policy implications independent mortgage bankers have in the US, and how IMBs will gain market share when traditional banks pull back.

PAYWALLED REPORTS:

2019 MORTGAGE MARKET STATISTICAL ANNUAL BY INSIDE MORTGAGE FINANCING

2019 MORTGAGE AND NONMORTGAGE LOAN BROKERS MARKET RESEARCH REPORT

UNITED STATES HOME FINANCING REPORT BY MINTEL

  • This 2018 paywalled report from Mintel, a global market research firm, contains US mortgage market industry insights and in-depth analysis across a range of topics.
  • The report has a general overview of the US mortgage industry, the markets and its breakdown, the key market factors and players, the current happenings, the demographics of the US mortgage consumers, and a host of other important topics in the US mortgage industry.

RESEARCH STRATEGY

To provide recent authoritative pieces of research that discuss or analyze the state of the United States mortgage industry, we first searched for preexisting information on any research that has been conducted on the industry. We leveraged reputable research firms that publish research findings online such as MarketsandMarkets, MarketResearch, Mintel, Kentley Insights, and SuperMoney, among others. While we were able to find an industry study of the US mortgage industry from SuperMoney, the other sources had great insights relevant to this request, but most of them are behind paywalls.

Next, we searched through news sites such as Forbes, Reuters, Economic Times, HousingWire and National Mortgage News for any news articles on the state of the United States mortgage may link back to the original research that was carried out by reputable and authoritative research firms. However, most of the news articles linked back to the research we had already identified behind paywalls. We then went into the specifics and searched through the US mortgage industry concerned parties' source such as Inside Mortage Financing, Mortgage Bankers Association, and also through the Federal Government mortgage programs such as Ginnie Mae, Fannie Mae, and Freddie Mac. This search yielded a white paper from the Mortgage Bankers Association and a research report from Inside Mortgage Financing, which we have provided in our key findings. Since the paywalled reports seem to contain authoritative and comprehensive data which will be helpful, we have included them among our key findings.



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  • "Our study uncovers surprising facts about the growth of total mortgage debt and its relationship to home equity and rental property vacancies. We reveal the main factors that determine the cost of a mortgage and how these have changed over time. We also look into the new wave of technological innovation that is reshaping the mortgage landscape. But first, let’s start with a brief look at the state of the mortgage industry and its history."
  • "The national average mortgage in 2017 was $201,811. That is nearly 10% higher than the average in 2007, $183,469."
  • "After a brief dip between 2008 and 2015, mortgage debt is again on the rise. As of January 2019, American households owed a total of $9.12 trillion in mortgage debt. If you include mortgage debt from all sources, including for-profit businesses and financial institutions the total mortgage debt is $15.12 trillion"
  • "The list of top mortgage lenders has historically been dominated by large banks. However, nonbank lenders have mixed things up in the last few years. According to the latest official data Quicken Loans was the second largest mortgage lender in 2017"
  • "Historically, mortgage delinquency rates have been low when compared to credit cards and personal loans. That all changed during the recent financial crisis. Delinquency rates continue to drop and are set to hit their lowest since 2005. However, they are still well above previous rates."
Quotes
  • "The 32nd edition of the Mortgage Market Statistical Annual gathers all of the data for the 2018 calendar year into a single volume that you can keep in arm's reach. You’ll have a complete picture of the state of the residential mortgage industry from the comprehensive, highly reliable data in this edition—everything from mortgage loan originations and servicing to loan securitizations and GSEs"
  • "The data in the Annual are the result of IMF's exclusive market surveys and research—the same deep storehouse of reliable, accurate and exclusive information often cited by the media, in investor documents and analysts’ reports. With the 32nd edition of the Annual, you’ll have at your fingertips more than 100 data sets, covering every facet of the residential mortgage market."
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  • "Over the past 3 years, the Mortgage and Nonmortgage Loan Brokers industry in the U.S. has averaged annual growth of 10% to reach $13.3 billion in revenue. The 2019 Mortgage and Nonmortgage Loan Brokers Market Research Report is an in-depth evaluation of the industry in the United States. The Mortgage and Nonmortgage Loan Brokers industry includes companies primarily engaged in arranging loans by bringing borrowers and lenders together on a commission or fee basis"
  • "The report is based on extensive and comprehensive business surveys and is utilized for a range of strategic purposes, including benchmarking, due diligence, cost-cutting, planning, evaluating opportunities, forecasting, streamlining, and gap analysis. The report includes over 100 insightful data sets, such historical and forecasted industry sales, operating expense details, product line breakdown, financial ratios, benchmarks, wages, profitability, organizational analysis, revenue per employee, state statistics, price inflation, consolidation analysis, firm dynamics, pay ranges for different roles, firm size data, employment, and much more."
Quotes
  • "The majority of US consumers own their own home, but mistrust of the mortgage industry continues. Home ownership rates have held relatively steady over the past few years, and while younger consumers are less likely to own their living space, home ownership is still viewed as top personal and financial priority by most. Consumers are most interested in more well-established lenders, and prospective alternatives like Google or Amazon have yet to be fully embraced. The mortgage process is viewed as intimidating, so FSIs (financial service institutions) will need to continue to work to build trust and show home ownership can be embraced by a variety of demographics." - Jennifer White Boehm, Associate Director - Financial Services"
  • "This market report provides in-depth analysis and insight supported by a range of data. At the same time, introductory and top-level content is provided to give you an overview of the issues covered."