Tag Archives: DES MOINES, Iowa

Analysis: iEmergent’s 2025 U.S. mortgage forecasts closely track HMDA actuals

Precision down to the census tract gives lenders a dependable edge for staffing, expansion and marketing decisions well before final HMDA data arrives

DES MOINES, Iowa, Sept. 16, 2026 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today released a new analysis validating its 2025 forecasts against actual Home Mortgage Disclosure Act (HMDA) data. The analysis, which uses final 2025 HMDA data released by the Federal Financial Institutions Examination Council on June 23, 2026, spans every geographic level from national down to individual census tracts, showing the strength of iEmergent’s bottom-up forecasting approach.

Image caption: 2025 PURCHASE FORECAST ACCURACY ACROSS THE NATION’S 30 LARGEST METRO MARKETS, MEASURED AGAINST HMDA ACTUALS.

The accuracy of iEmergent’s 2025 purchase loan forecasts for the nation’s top 30 largest metropolitan statistical areas (MSAs) averaged well above 90% when compared against 2025 HMDA actuals. That figure reflects absolute forecast accuracy, which cannot exceed 100%.

Looking at per-tract loan error by individual census tract, iEmergent’s 2025 forecast was within 10 loans of actual volume in more than 64.3% of the nation’s 84,414 census tracts. Widening that margin to 15 loans, the forecast was accurate for 78.6% of all tracts.

Image caption: DISTRIBUTION OF ABSOLUTE ERROR ACROSS ALL 84,414 U.S. CENSUS TRACTS FOR 2025 PURCHASE LOANS.

“Lenders need a dependable line of sight into where mortgage opportunity is forming, market by market — not months after the fact, once HMDA data finally confirms it, but early enough to guide decisions on staffing, branch locations, marketing spend and growth strategy for the year ahead,” iEmergent CEO Laird Nossuli said. “That’s exactly what iEmergent’s proprietary, bottom-up model is built to deliver.”

iEmergent also validated the accuracy of its forecasts against actual HMDA data at the borrower race and ethnicity level. Segment-level accuracy is calculated as the ratio of forecast to actual loan volume, which reflects both the size and direction of the forecast error. A figure above 100% indicates the forecast slightly exceeded actual volume; a figure below 100% indicates it fell short. For 2025, the company’s fourth-quarter 2024 forecast produced the following national-level accuracy rates by borrower segment:

Asian borrowers: 107.3% accuracy
Black borrowers: 96.3% accuracy
Hispanic borrowers: 90.5% accuracy
Native American and Pacific Islander borrowers: 83.8% accuracy
Non-Hispanic white borrowers: 89.4% accuracy

iEmergent’s forecasts are built on two core concepts: the Purchase Mortgage Generation Rate, which measures the rate at which an individual market produces purchase mortgages, and the Homebuyer Pool, the number of households ready, willing and able to buy a home in a given year. Together, these replace traditional top-down, supply-side forecasting models with a demand-driven approach rooted in how households actually behave. A full overview of iEmergent’s forecasting methodology is available at https://www.iemergent.com/insights/mortgage-opportunity-forecasting.

ABOUT IEMERGENT

Founded in 2000, iEmergent provides mortgage lending forecasts and analytics to the lending, housing and real estate industries. The company offers an extensive variety of forecast and market intelligence products, including Mortgage MarketSmart, a visualization tool that helps lenders quantify how mortgage markets will change. For more information, visit https://www.iemergent.com.

Tags: @iEmergent

Media Kit (PDF): https://www.iemergent.com/docs/default-source/default-document-library/presskit_digitallinked.pdf

NEWS SOURCE: iEmergent

This press release was issued on behalf of the news source (iEmergent), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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iEmergent supports launch of CONVERGENCE Knowledge Hub with Market Profile Dashboard

Longtime CONVERGENCE partner powers interactive resource that helps communities identify opportunities to expand homeownership

DES MOINES, Iowa, June 25, 2026 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced its support of the newly launched CONVERGENCE® Knowledge Hub, a centralized resource designed to help lenders, nonprofit organizations, housing counselors, real estate professionals and community leaders expand access to sustainable homeownership.

Image caption: iEmergent.

Unveiled earlier this month by the Mortgage Bankers Association (MBA) and the CONVERGENCE Collaborative, the Knowledge Hub brings together field-tested solutions, case studies, practical tools and research developed through years of collaboration among housing stakeholders working to address barriers to homeownership and housing affordability.

As part of the platform, iEmergent powers the Market Profile Dashboard, an interactive resource that allows users to explore local demographics, homeownership patterns, affordability challenges, mortgage credit access and housing supply trends across hundreds of U.S. markets. The dashboard helps communities identify homeownership gaps, understand local market dynamics and develop strategies tailored to the needs of their residents.

“The launch of the Knowledge Hub is exciting because it takes lessons that have emerged from years of collaboration in communities across the country and makes them accessible to a much broader audience,” said Laird Nossuli, CEO of iEmergent. “At its core, CONVERGENCE is about helping communities understand their local housing challenges, learn from what has worked elsewhere and build solutions that reflect their own needs. The Knowledge Hub brings those elements together in one place, combining practical resources, real-world examples and local market insights that can help stakeholders move from discussion to action.”

“iEmergent has been a cornerstone of CONVERGENCE’s ability to translate data into action at the local level,” said Wendy Penn, vice president of affordable housing initiatives at the Mortgage Bankers Association. “Too often, communities have the motivation to expand homeownership but struggle to make the case for where to focus and why. The Market Profile Dashboard changes that, giving local leaders the evidence they need to align partners, prioritize resources and build strategies with real staying power.”

CONVERGENCE is an initiative launched in 2019 by the Mortgage Bankers Association to expand homeownership through innovative community partnerships. CONVERGENCE addresses the information, trust, resource and market gaps that create barriers to homeownership. CONVERGENCE operates place-based initiatives in Memphis, Tennessee, Columbus, Ohio, Philadelphia and Baltimore. In each city, a mission-aligned local nonprofit organization serves as the lead partner, playing a central role in fostering collaboration among stakeholders across the housing ecosystem.

iEmergent’s contribution to the Knowledge Hub builds on years of involvement with CONVERGENCE initiatives nationwide. Nossuli currently serves as a national partner to CONVERGENCE and co-leads the Research and Evaluation workstream for both CONVERGENCE Philadelphia and Columbus. Beyond providing technology and market intelligence, iEmergent works alongside lenders, nonprofit organizations and municipal leaders to develop data-informed strategies, measure outcomes and expand access to sustainable homeownership.

Explore the CONVERGENCE Knowledge Hub at https://convergenceknowledgehub.org/.

About iEmergent

Tags: @iEmergent

Media Kit (PDF):
https://www.iemergent.com/docs/default-source/default-document-library/presskit_digitallinked.pdf

NEWS SOURCE: iEmergent

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iEmergent releases 2025 HMDA insights: volume rebounds, but the mortgage market grows more concentrated

Data insights now available in Mortgage MarketSmart show refinance-driven growth amid rising loan sizes

DES MOINES, Iowa, April 29, 2026 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, has released its analysis of 2025 Home Mortgage Disclosure Act (HMDA) data in Mortgage MarketSmart. Presented by iEmergent CEO Laird Nossuli, the findings point to a market that is regaining momentum after a prolonged downturn, with total volume increasing in 2025. That recovery, however, is uneven. Growth is being driven by refinancing activity and larger loan balances, while competitive gains remain concentrated among a relatively small group of lenders.

Image caption: iEmergent releases 2025 HMDA insights: volume rebounds, but the mortgage market grows more concentrated.

Top takeaways from 2025 HMDA data:

Refinance activity drove a disproportionate share of volume growth.
S. lenders originated approximately 6.75 million loans totaling $2.12 trillion in 2025, up from $1.82 trillion in 2024. Refinances accounted for a disproportionate share of that growth, rising to $610.4 billion and representing 29% of total lending volume, compared to 22% the prior year. This shift indicates that recent volume gains are being fueled more by rate-driven activity than by underlying purchase demand.
IMBs extended their lead in both share and growth capture.
Independent mortgage banks (IMBs) increased their share of originations to 57.8% in 2025, up from 55.8% in 2024, and accounted for 61.9% of total lending volume. Notably, they captured $193 billion of the market’s $303 billion year-over-year growth, far outpacing depository institutions. IMBs also dominated lender rankings, representing 18 of the top 25 institutions by both loan count and dollar volume.
Rising loan sizes continue to pressure affordability.
Average loan sizes increased across both purchase and refinance segments, with purchase loans rising to $379,600 (from $368,100) and refinance loans to $311,200 (from $272,900). These increases align with persistent inventory constraints and elevated home prices, which are pushing borrowers toward higher balances and further limiting access for more price-sensitive buyers.
Denial rates edged down, but elevated fallout points to ongoing borrower friction.
While denial rates declined modestly, overall application fallout remained high. Approximately 40% of applications from non-Hispanic White borrowers did not result in funded loans, while fallout exceeded 50% for Black, Native American/Alaskan and Pacific Islander applicants. Increased withdrawals and incomplete applications suggest that affordability constraints and valuation challenges are continuing to disrupt borrower progression through the origination process.
Market concentration remains high, with production concentrated among a small group of lenders.
The top five lenders accounted for just over 20% of both loan count and total volume in 2025. More broadly, only 47 lenders—roughly 1% of all institutions—originated half of total mortgage volume. This concentration underscores a competitive environment in which scale and operational efficiency are increasingly determining market share outcomes.
Loan purpose mix varies significantly by geography, reinforcing the need for localized strategy.
Purchase-driven markets in the Sun Belt, such as Houston (71% purchase) and Austin (68% purchase), stand in contrast to coastal markets like Los Angeles (40% refinance) and San Diego (38% refinance). These differences highlight the importance of market-specific strategy, as performance in purchase-heavy regions depends more on execution and affordability positioning than on cyclical refinance opportunities

“2025 HMDA data shows a market that is improving, but not uniformly,” said Nossuli. “Growth is being driven by specific products, borrower segments and geographies, while competitive gains are concentrated among lenders with the scale and strategy to capture them. Understanding where those opportunities exist is critical for lenders planning their next phase of growth.”

Lenders can now benchmark performance and identify growth opportunities
The integration of 2025 HMDA data into Mortgage MarketSmart allows lenders to benchmark their performance against peers across categories such as:

Purchase and refi loan volume (units and dollars)
Borrower race and ethnicity
Loan type and size
Borrower income levels
Denial reasons by demographic group

With side-by-side comparisons of HMDA data, historical trends and forward-looking forecasts, Mortgage MarketSmart empowers lenders to identify gaps, meet Community Reinvestment Act (CRA) obligations and reach underserved markets.

To explore 2025 HMDA insights in Mortgage MarketSmart, request a demo at https://www.iemergent.com.

About iEmergent

Tags: @iEmergent

Media Kit:
https://www.iemergent.com/docs/default-source/default-document-library/presskit_digitallinked.pdf

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-releases-2025-hmda-insights-volume-rebounds-but-the-mortgage-market-grows-more-concentrated/

iEmergent introduces free webinar series to help lenders turn market data into mortgage growth

New educational series gives lenders a practical roadmap for identifying strategy gaps and increasing loan production

DES MOINES, Iowa, March 11, 2026 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced a new webinar series, “From Gaps to Growth: A Data-Driven Roadmap to Increase Production.” The free, multi-episode series will help mortgage lenders navigate an increasingly complex mortgage environment and translate market intelligence into practical strategies for sustainable origination growth.

Image caption: Webinar, From Gaps to Growth: A Data-Driven Roadmap to Increase Production.

Across the series, which will span 2026 into 2027, iEmergent will walk lenders through the core elements of a successful mortgage growth strategy. Sessions cover topics such as:

Mapping mortgage opportunity
Setting production goals and aligning resources
Refining marketing strategies around the homebuyer journey
Strengthening loan products and programs to increase applications
Building high-performing sales teams
Expanding referral networks and community partnerships

The series is designed for professionals across the mortgage enterprise, including executives, sales and revenue leaders, marketing professionals, data and analytics teams, compliance professionals and loan officers. Individual episodes focus on different elements of the roadmap and are tailored to the priorities of each role.

“Many lenders know they need a clearer strategy for growth, but they lack a practical roadmap for getting there,” iEmergent CEO Laird Nossuli said. “We developed this series as a free resource to show lenders how to connect market data to real production strategies. The roadmap we’re sharing reflects strategies we’ve developed with banks, credit unions and independent mortgage banks across the country that have proven effective in helping them identify opportunity and drive measurable mortgage growth.”

Episodes will be available on demand. To register for the series kickoff, visit: https://www.iemergent.com/playbook-webinar-series/overview/

About iEmergent

Tags: @iEmergent #MortgageLending #MortgageStrategy #HousingMarket #MortgageData #LoanProduction

Media Kit:
https://www.iemergent.com/docs/default-source/default-document-library/presskit_digitallinked.pdf

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-introduces-free-webinar-series-to-help-lenders-turn-market-data-into-mortgage-growth/

iEmergent earns third HousingWire Tech100 recognition for mortgage forecasting and market intelligence

Award honors expanded dashboards and highly accurate forecasts that help lenders pinpoint and act on emerging demand

DES MOINES, Iowa, Feb. 4, 2026 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, has been named to HousingWire’s 2026 Tech100 Mortgage list, marking the third time the company has earned the industry’s top technology distinction. iEmergent was selected for its continued expansion of data-driven tools that help lenders identify where mortgage demand is emerging and how to act on it.

Image caption: iEmergent logo.

Over the past year, iEmergent built on the market intelligence dashboards that helped it earn 2025 Tech100 recognition by expanding the suite with new tools for competitive benchmarking, market analysis and broker performance. Introduced in October, the latest dashboards give lenders faster, more flexible ways to analyze HMDA data, track shifting market conditions and identify high-potential partners across retail, wholesale and correspondent channels. iEmergent also released a new six-year forecast accuracy analysis showing its U.S. purchase mortgage projections continue to outperform other publicly available forecasts, reinforcing the reliability of the intelligence powering both Mortgage MarketSmart and the dashboard suite.

“Knowing where mortgage demand is emerging only matters if lenders can act on it,” said Laird Nossuli, CEO of iEmergent. “Our market intelligence is designed to turn complex data into clear direction, helping lenders prioritize markets, align teams and make confident decisions about where to grow, even as conditions shift.”

“Today, technology is the business strategy. The right tech stack now determines who can recruit top talent, gain market share and expand margins,” said Clayton Collins, CEO of HW Media. “The 2026 Tech100 honorees bring both innovation and impact. They’re growing, their teams are winning and they’re pulling ahead in the race for scale and consumer relevance.”

iEmergent’s flagship platform, Mortgage MarketSmart, delivers highly accurate origination forecasts combined with demographic, economic, housing and loan production data to give lenders a clear, geographic view of how mortgage markets are changing. iEmergent’s solutions are used by banks, credit unions and independent mortgage banks to evaluate market opportunity, assess competitive dynamics and guide strategic growth decisions.

Launched in 2013, HousingWire’s Tech100 awards spotlight the most innovative and impactful technology organizations in housing. The program includes two categories: Tech100 Mortgage, which recognizes companies transforming the mortgage process, and Tech100 Real Estate, which honors technology firms reshaping the home sales experience.

The full list of 2026 HousingWire Tech100 winners is available at https://www.housingwire.com/articles/announcing-the-2026-tech100-mortgage-winners/.

About iEmergent

Tags: @iEmergent @HousingWire #Tech100 #MortgageTech

Media Kit:
https://www.iemergent.com/docs/default-source/default-document-library/presskit_digitallinked.pdf

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-earns-third-housingwire-tech100-recognition-for-mortgage-forecasting-and-market-intelligence/

iEmergent’s latest U.S. mortgage forecast validation confirms industry-leading accuracy

New analysis shows iEmergent's mortgage origination projections outperforming other publicly available forecasts over a six-year period

DES MOINES, Iowa, Dec. 2, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, released a new analysis validating that its U.S. purchase mortgage origination forecasts continue to lead the industry in accuracy, outperforming other publicly available forecasts such as those published by Fannie Mae and the Mortgage Bankers Association (MBA) over the last six years.

Image caption: [1] 6-YR COMPARISON OF iEMERGENT’S ‘NEXT YEAR’S’ FORECAST ACCURACY VS. MBA, FANNIE MAE.

Image caption: [2] 6-YR COMPARISON OF iEMERGENT’S ‘LAST ESTIMATE’ FORECAST ACCURACY VS. MBA, FANNIE MAE.

iEmergent’s forecasting approach centers on the Purchase Mortgage Generation Rate (PMGR), a proprietary metric that represents the rate at which a defined market produces purchase mortgages. The PMGR simplifies forecasting by capturing the complexity of the U.S. mortgage market, including economic and demographic factors, homebuyer behavior and decades of Home Mortgage Disclosure Act (HMDA) loan data. When paired with a demand-driven view of the homebuyer pool, this bottom-up model—which can be applied at any geographic level from the individual census tract to the entire nation—delivers reliable insight into where and when mortgage activity will emerge.

For the six-year period spanning 2019 to 2024, iEmergent achieved a 9.5% mean absolute percent error (MAPE) for ‘next year’s’ forecasts (projections issued a year in advance) and a 3.9% MAPE for ‘last estimate’ forecasts (projections released a few months ahead of HMDA’s annual release of actual loan counts). And over the past three years (2022–2024), iEmergent’s forecast accuracy has improved even further, achieving an 8.4% MAPE for ‘next year’s’ forecasts and a 1.2% MAPE for ‘last estimate’ forecasts.

“These results demonstrate the strength of iEmergent’s proprietary forecasting model and why our approach consistently leads the industry in accuracy,” iEmergent COO Bernard Nossuli said. “Lenders need a dependable way to see where mortgage opportunity will take shape, and iEmergent’s model gives them that insight well before traditional indicators emerge.”

iEmergent’s purchase mortgage forecast accuracy remains high even when projections are segmented by borrower race and ethnicity. The company also delivers strong refi mortgage forecast accuracy, maintaining an error rate in the 2% range despite growing refinance market volatility.

For a closer look at iEmergent’s novel and highly accurate approach to forecasting U.S. mortgage originations, read the company’s methodology blog post.

About iEmergent

Tags: @iEmergent #mortgagelending #mortgage #origination #housingdata

Media Kit:
https://www.iemergent.com/docs/default-source/default-document-library/presskit_digitallinked.pdf

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergents-latest-u-s-mortgage-forecast-validation-confirms-industry-leading-accuracy/

iEmergent puts HMDA benchmarking, market analysis and broker insights at lenders’ fingertips with newest set of market intelligence dashboards

Interactive data visualizations, available within Mortgage MarketSmart or as standalone dashboards, help lenders measure performance and uncover growth opportunities

DES MOINES, Iowa, Oct. 16, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced three new market intelligence dashboards that give mortgage lenders immediate, data-driven visibility into competitive benchmarking, market trends and broker performance.

Image caption: iEmergent puts HMDA benchmarking, market analysis and broker insights at lenders’ fingertips.

The new dashboards are available within iEmergent’s flagship Mortgage MarketSmart platform or a la carte, giving banks, credit unions and independent mortgage lenders flexible ways to turn data into action.

They are:

HMDA Analysis
Built for competitive benchmarking, the HMDA Analysis dashboard lets users explore the latest Home Mortgage Disclosure Act (HMDA) data to compare performance against selected peer sets, identify potential partners and assess application, origination and denial patterns. Users can compare financial institutions side-by-side and apply flexible global filters to quickly focus analysis by geography and loan characteristics.
Market Analysis
Market Analysis reveals where mortgage origination opportunities are emerging and shifting in a chosen market down to the individual county. By blending iEmergent’s highly accurate loan origination forecasts with historical origination data, users can see how lending activity is trending over time and by loan purpose. Current real estate listings and Census demographics add critical context on housing supply, affordability and demand, helping lenders target growth with precision.
Broker Profile
Designed to help lenders identify and recruit ideal partners for their wholesale and correspondent channels, the Broker Profile completes iEmergent’s broader set of Profile dashboards introduced earlier this year. It illuminates any mortgage broker’s production and connections with loan officers, lenders and real estate agents.

Designed for clarity and flexibility, iEmergent’s market intelligence dashboards support a range of user experiences from quick exploration of top-level trends to deep, analytical dives. Continuous enhancements to dropdowns, filtering, labeling and navigation make it easy for everyday users to access key insights while giving power users the tools to conduct advanced, granular analysis. Built-in sharing and export options make collaboration effortless, ensuring insights flow smoothly across teams.

“Lenders need intelligence they can trust and apply immediately,” said iEmergent COO Bernard Nossuli. “The new dashboards make it simple to analyze performance, compare results and uncover opportunity without requiring deep technical expertise. It’s about making complex market data truly accessible.”

“The mortgage industry is awash in data but starved for insight,” added CEO Laird Nossuli. “This launch brings us closer to solving that problem. With every new dashboard, we’re turning raw information into a living, visual story about how lending markets evolve.”

Request a demo of iEmergent’s full suite of market intelligence dashboards by visiting https://www.iemergent.com/request-demo .

About iEmergent:

Tags: @iEmergent #lending #mortgage #mortgagelending #bi

Media Kit:
https://www.iemergent.com/docs/default-source/default-document-library/presskit_digitallinked.pdf

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-puts-hmda-benchmarking-market-analysis-and-broker-insights-at-lenders-fingertips-with-newest-set-of-market-intelligence-dashboards/

U.S. mortgage loan originations to climb nearly 10% in 2026, iEmergent forecasts

New three-year outlook also sees dollar originations growing 13% to reach $2.27 trillion next year

DES MOINES, Iowa, Oct. 8, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced the availability of its 2025–2027 U.S. Mortgage Origination Forecast. The firm projects total originations will climb to $2.27 trillion in 2026, a 13% increase over 2025, as slowing economic growth and easing interest rates fuel a rebound in refinance activity alongside modest purchase gains.

Image caption: Bar graph showing iEmergent’s 3-year U.S. Mortgage Origination Forecast for 2025-2027 by loan count/units.

According to iEmergent Chief of Forecasting Mark Watson, the 2026 outlook reflects a shifting economic landscape. As tariff impacts spread, consumer confidence wanes and the labor market cools, GDP growth is expected to slow further, setting the stage for lower interest rates and a modest housing recovery. Long-term interest rates are expected to rise slightly by the end of 2025 but fall again in 2026 as growth weakens. That drop should spur a rebound in refinances and lift overall mortgage originations.

2025: Total mortgage origination volume is forecast to surpass $2 trillion for the first time since 2022, driven by a 48% jump in refinance dollars and 12% in purchase dollar gains, an overall 20% increase from 2024.
2026: Total mortgage origination volume is projected to reach $2.27 trillion, a 13% increase from 2025. Refinance units are expected to grow 24% as lower rates boost activity, and a 2.3% increase in purchase units will help push total loan count up nearly 10% year-over-year.
2027: Purchase activity is projected at 4.09 million loans totaling $1.56 trillion, while refinance units are expected to hold steady at 2.37 million, with dollars dipping slightly at $754 billion.

“Crossing back above $2 trillion in 2025 signals renewed strength in the mortgage market,” Watson said. “By 2026, lower rates and moderating home prices should support activity, though affordability challenges will persist—especially for first-time buyers.”

Image caption: Bar graph showing iEmergent’s 3-year U.S. Mortgage Origination Forecast for 2025-2027 by dollar volume.

“These national trends tell an important story, but they don’t tell the whole story,” said Laird Nossuli, CEO of iEmergent. “Every market will experience the next wave of recovery differently. iEmergent’s data gives lenders visibility into those differences, so they can see how mortgage activity is expected to shift in specific markets, even down to the census-tract level.”

Read Mark Watson’s latest blog for more detailed analysis and commentary on the forecast.

Methodology

For more than two decades, iEmergent has been predicting mortgage market trends with a level of precision that surpasses even the industry’s most trusted forecasts from the Mortgage Bankers Association, Freddie Mac and Fannie Mae. In fact, in almost 70% of the nation’s 84,414 census tracts, iEmergent’s U.S. Mortgage Origination Forecast has proven accurate to within 10 loans.

iEmergent’s proprietary forecasting method is a hybrid of several traditional demand forecast models. Many variables go into these forecasts, but there are two fundamental elements: first, the Purchase Mortgage Generation Rate (PMGR), which is the rate at which an individual market produces purchase mortgages. Second, the homebuyer pool: the number of households that are ready, willing and able to buy a home. By evaluating the relationship between each census tract’s homebuyer pool and PMGR, probability theory can be applied to estimate the number of purchase mortgage loans and dollars that will be originated in that market.

Read more about iEmergent’s approach to forecasting here: https://www.iemergent.com/insights/mortgage-opportunity-forecasting

About iEmergent

Tags: @iEmergent

Media Kit:
https://www.iemergent.com/docs/default-source/default-document-library/presskit_digitallinked.pdf

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/u-s-mortgage-loan-originations-to-climb-nearly-10-in-2026-iemergent-forecasts/

iEmergent honored with PROGRESS in Lending’s 2025 Connections Award

The award celebrates iEmergent's role in CONVERGENCE Columbus initiative to expand minority homeownership through strategic collaboration and data-driven innovation

DES MOINES, Iowa, June 9, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced its selection as a recipient of PROGRESS in Lending’s 2025 Connections Award. The recognition honors iEmergent’s instrumental role in CONVERGENCE Columbus, a cross-sector initiative led by the Mortgage Bankers Association (MBA) to close the racial homeownership gap in Central Ohio.

Image caption: iEmergent.

The Connections Award celebrates groundbreaking partnerships and integrations that advance mortgage lending. As a founding member and active steering committee participant in CONVERGENCE Columbus, iEmergent has helped shape the coalition’s data strategy, community engagement framework and performance measurement tools. Through its proprietary Mortgage MarketSmart platform, iEmergent empowers lenders and housing stakeholders with localized market insights to identify opportunity gaps, design inclusive lending programs and measure impact.

“CONVERGENCE Columbus exemplifies how data, community partnership and shared purpose can drive scalable and sustainable progress,” said iEmergent CEO Laird Nossuli. “We are honored to be recognized by PROGRESS in Lending for our role in building a more equitable housing ecosystem, starting at the local level and grounded in collaboration.”

In collaboration with public agencies, nonprofit organizations and financial institutions such as Huntington National Bank and Fifth Third Bank, CONVERGENCE Columbus has launched innovative programs like the Maude Hill Growing Homeownership Fund and FHLBank Cincinnati’s Rise Up Program, which together have supported more than 230 households to date. The initiative also developed Bloom614.org, a resource hub and homebuying guide for prospective homeowners in Central Ohio.

By co-leading the Evaluation & Outcomes workstream, contributing loan officer data and donating tens of thousands of dollars in services, iEmergent has helped ensure that CONVERGENCE Columbus’ lending outcomes are measurable and replicable. The firm’s commitment to the initiative reflects a broader industry shift toward proactive, equity-centered growth strategies.

Learn more about PROGRESS in Lending’s 2025 Connections Award at https://mymortgagemindset.com/the-2025-connections-award-winners-are/.

About iEmergent

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-honored-with-progress-in-lendings-2025-connections-award/

iEmergent releases 2024 HMDA insights: IMBs dominate, refinances rise, equity gaps persist

Data insights now available in Mortgage MarketSmart highlight rising refi activity, IMB dominance and persistent equity gaps

DES MOINES, Iowa, April 29, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, has released its analysis of 2024 Home Mortgage Disclosure Act (HMDA) data in Mortgage MarketSmart. The insights, shared by iEmergent CEO Laird Nossuli, highlight a modest market recovery from 2023 alongside deepening disparities in borrower outcomes and a reshuffling of lender dynamics.

Image caption: iEmergent.

TOP TAKEAWAYS FROM 2024 HMDA DATA:

Mortgage lending volume rebounded slightly, driven by a resurgence in refinancing.
In 2024, U.S. lenders originated a combined 4.9 million loans totaling $1.67 trillion in dollar volume across purchase and refi, up from $1.45 trillion in 2023. Refinances surged 63% by dollar volume to $393.7 billion and accounted for nearly a quarter (23.5%) of purchase and refi dollars, up from 16.7% in 2023.
Independent mortgage banks (IMBs) extended their lead.
IMBs originated 65.4% of all purchase and refinance loans in 2024, up from 61.3% in 2023. They also claimed 16 of the top 25 spots by dollar volume and 17 by loan count, underscoring their continued role as the primary engine of mortgage lending despite representing just 18% of reporting institutions.
Borrowers are taking out bigger loans, amplifying affordability concerns.
The average size of purchase and refinance loans grew in 2024, reaching $339,903 (up from $323,282 in 2023). Rising home prices and interest rates continue to widen the gap between what buyers can afford and what they must borrow.
Denial rates ticked up, with notable differences by lender type.
People of color households made up a growing share of applicants in 2024, but approval rates remained unequal. Black borrowers, for instance, faced an 18% denial rate for purchase loans compared to 9% for non-Hispanic white applicants. While banks and credit unions lowered their denial rates year over year, IMBs saw a slight increase—contributing to uneven outcomes, since IMBs originated the majority of loans. Debt-to-income (DTI) ratios remained the most common denial reason across all racial and ethnic groups.
Dominance by leading lenders continues to intensify.
The top five lenders accounted for nearly 20% of all loans and dollars originated in 2024, a notable uptick from 2023. This growing market concentration signals intensifying consolidation and competition among top-tier lenders.

“2024 brought modest recovery to the mortgage market, but also highlighted some of the structural inequities and concentration trends that shape lending outcomes today,” said Nossuli. “iEmergent’s Mortgage MarketSmart puts this data into context—geographically, demographically, and competitively—so lenders can find smarter ways to grow and serve their markets.”

LENDERS CAN NOW BENCHMARK PERFORMANCE AND PLAN FOR GROWTH

The integration of 2024 HMDA data into Mortgage MarketSmart allows lenders to benchmark their performance against peers across categories such as:

Purchase and refi loan volumes (units and dollars)
Borrower race and ethnicity
Loan type and size
Borrower income levels
Denial reasons by demographic group

To explore 2024 HMDA insights in Mortgage MarketSmart, request a demo at https://www.iemergent.com/.

About iEmergent

Tags: @iEmergent #HMDA #housing #mortgage #data

Media Kit (PDF):
https://www.iemergent.com/docs/default-source/default-document-library/presskit_digitallinked.pdf

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-releases-2024-hmda-insights-imbs-dominate-refinances-rise-equity-gaps-persist/

iEmergent confronts the DEI debate with bold webinar on the business case for diverse lending

'Not Sold on Diversity? Fine. Let's Talk About Your Bottom Line' tackles how lenders can reach underserved markets and fuel long-term growth

DES MOINES, Iowa, April 2, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced a provocative new webinar that dares to reframe the diversity conversation through a business lens. Amid growing pushback on diversity, equity and inclusion (DEI) initiatives, iEmergent is doubling down on the importance of inclusive lending to lenders’ long-term success. Titled “Not Sold on Diversity? Fine. Let’s Talk About Your Bottom Line,” the roundtable session will take place Wednesday, April 30, from 1:00 to 3:00 pm ET and will feature mortgage industry leaders sharing actionable insights on how lenders can drive sustainable growth by expanding access to homeownership.

Image caption: iEmergent confronts the DEI debate with bold webinar on the business case for diverse lending.

With more than 77% of net household formation in the next decade projected to come from diverse households, the mortgage industry is at a turning point. While some lenders are adapting to these demographic shifts, others remain focused on traditional, often affluent borrower segments. The roundtable will explore the business case for reaching underserved markets and the risks of ignoring them.

“This conversation isn’t just about diversity — it’s about the future of mortgage lending,” said iEmergent CEO Laird Nossuli. “Lenders that overlook these borrower segments today risk falling behind in a market where diverse households will drive future mortgage demand. Understanding where the opportunities exist and implementing the right strategies is a game-changer for long-term growth.”

Panelists will explore how lenders can assess gaps in minority and low- to moderate-income (LMI) lending, strengthen their real estate referral networks using MLS data and recruit loan officers already connected to these communities. They will also discuss practical approaches to overcoming systemic barriers to homeownership, such as appraisal bias and limited generational wealth, and highlight ways to build durable community partnerships that support a consistent borrower pipeline.

Moderated by Nossuli, the panel will feature:

Nikki Bialka, national community lending strategy manager at Fifth Third
John Harpst, vice president of community lending at Lake Michigan Credit Union
Gabe Ewing del Rio, president and CEO of the Homeownership Council of America
Tom Sullivan, head of retail mortgage sales for First Commonwealth Bank
Tony Thompson, founder and CEO of the National Association of Minority Mortgage Bankers of America
Tay Toliver, vice president and retail market leader at Cardinal Financial

Mortgage executives, sales leaders and compliance professionals from banks, credit unions and independent mortgage banks (IMBs) are encouraged to attend to learn how data-driven strategies can unlock new growth opportunities while meeting the needs of today’s — and tomorrow’s — homebuyers.

About iEmergent

Tags: @iEmergent @NAMMBAConnects @FinanceBetter @LMCU @CardFinancial @FifthThird #mortgage #lending

Media Kit:
https://www.iemergent.com/docs/default-source/default-document-library/presskit_digitallinked.pdf

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-confronts-the-dei-debate-with-bold-webinar-on-the-business-case-for-diverse-lending/

iEmergent CEO Laird Nossuli recognized among National Mortgage Professional’s 2025 Diversity Leaders

Award honors Nossuli's role in helping lenders expand homeownership opportunities

DES MOINES, Iowa, March 3, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced that CEO Laird Nossuli has been named a 2025 Diversity Leader by National Mortgage Professional (NMP) magazine. The award recognizes mortgage professionals who have demonstrated dedication and success in promoting inclusivity within their companies or the communities they serve.

Image caption: iEmergent CEO Laird Nossuli.

Nossuli has long championed data-driven strategies that help lenders expand their reach and align business growth with shifting demographic trends. Under her leadership, iEmergent developed Mortgage MarketSmart, the industry’s only market intelligence and forecasting platform designed to help lenders identify and engage home-ready, underserved markets. By integrating market intelligence, lender production data and origination forecasts on interactive maps, the platform enables lenders to pinpoint lending gaps and strategically expand mortgage access.

iEmergent’s insights have helped lenders across the country drive measurable impact. By using iEmergent’s data and analytics, lenders have increased CRA-eligible lending, closed minority homeownership gaps and launched new products such as special purpose credit programs (SPCPs) to better serve historically underserved borrowers.

“As an industry, we can either embrace the future of homeownership or risk falling behind,” said Nossuli. “At iEmergent, we provide lenders with the data and insights they need to make smart, strategic decisions about where mortgage demand is growing. I’m honored to be recognized by National Mortgage Professional for our work in helping lenders build sustainable growth strategies.”

Beyond her role in shaping iEmergent’s technology solutions, Nossuli has contributed to key industry initiatives aimed at expanding mortgage access. She helped develop DIVERSIFi, a collaboration with the National Association of Minority Mortgage Bankers of America that connects lenders with diverse borrower segments. She has also supported the Mortgage Bankers Association’s (MBA) CONVERGENCE affordable housing efforts. A sought-after speaker, Nossuli has shared her insights at industry events hosted by the Black Homeownership Symposium, the Coalition on Homelessness and Housing in Ohio, and the MBA.

The full list of NMP Diversity Leaders is available in the latest issue of NMP magazine or online at https://nationalmortgageprofessional.com/.

About iEmergent

Tags: @iEmergent #housingfinance #housingequity #housingeconomy #mortgage @NatlMortgagePro #NMPDiversityLeaders

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-ceo-laird-nossuli-recognized-among-national-mortgage-professionals-2025-diversity-leaders/

Conterra Ag Names Jake Espenmiller as President and CEO, Marking a New Era In Agricultural Finance

DES MOINES, Iowa, Feb. 24, 2025 (SEND2PRESS NEWSWIRE) — Conterra Ag Capital has announced the January 2025 appointment of Jake Espenmiller as President and Chief Executive Officer, succeeding company founder Paul Erickson. Following a carefully planned and seamless 2-year succession strategy, this leadership transition marks a significant milestone for Conterra, reinforcing its commitment to providing innovative financial solutions to farmers, ranchers, and agribusinesses across the United States.

Photo caption: Jake Espenmiller New President & CEO of Conterra Ag Capital.

Espenmiller brings over 25 years of experience in agricultural finance, risk management, and lending strategy, including 10 years of senior management experience. Before joining Conterra, Jake served in leadership roles with Oak River Farms and MetLife Investment Management, where he played a crucial role in expanding operations across key agricultural regions. Since joining Conterra in 2022 as Chief Lending Officer, he has been a driving force behind business development and strategic growth initiatives.

“With agriculture evolving rapidly, farmers and ranchers need financial partners who understand their challenges and can offer flexible solutions. I am honored to lead Conterra into its next chapter,” said Espenmiller. “Paul has built an exceptional organization with a strong foundation and a clear mission. I look forward to building on that legacy, continuing to provide exceptional service to our customers, delivering strong returns for our investors, and fostering a great culture for our employees.”

For more than a decade, Erickson has led Conterra with a deep commitment to supporting the long-term success of American agriculture. Leveraging his 30 years of experience in agriculture and financial services, Erickson built the company from the ground up, expanding it into a trusted and nationally recognized provider of agricultural financing. His dedication and strategic vision have guided Conterra to manage over a billion dollars in assets, solidifying its position as a key partner in agricultural finance.

“Building Conterra been one of the most rewarding experiences of my career,” said Erickson. “I am deeply grateful to our team, our clients, and our partners who have been part of this journey. Conterra was founded with a mission to provide farmers and ranchers with flexible financial solutions, and I am confident that under Jake’s leadership, the company will continue to thrive and expand its impact.”

This leadership transition comes at a critical time for the agricultural industry. Farmers and agribusinesses face rising interest rates, market fluctuations, and increasing operational costs, requiring financial partners who can offer stability and expertise. Conterra remains committed to providing traditional farm and ranch loans, development financing, and alternative lending solutions that help producers manage risk and invest in long-term growth.

“As we look to the future, our focus remains on being a trusted financial resource for farmers and ranchers,” Espenmiller added. “We are here to ensure they have the capital and support they need—today and for generations to come.”

More information: Conterra Ag Lending Home – Conterra Ag Capital.

About Conterra Ag Capital:

Based in West Des Moines, Iowa, Conterra Ag Capital focuses exclusively on agriculture, providing traditional farm and ranch loans, development, and alternative lending solutions to America’s farmers, ranchers, and agribusinesses. The company also offers its loan products and asset management services to institutional investors, banks, and other agricultural lenders throughout the United States.

Conterra has loan products to help meet the challenges of today’s agricultural environment:

Long-term fixed rate and short-term variable rate loans
Alternative ag loans for producers under stress
Varied capital sources and flexible terms
Restructuring debt to improve cash flow

NEWS SOURCE: Conterra Holdings LLC

This press release was issued on behalf of the news source (Conterra Holdings LLC), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/conterra-ag-names-jake-espenmiller-as-president-and-ceo-marking-a-new-era-in-agricultural-finance/

iEmergent CEO Laird Nossuli to speak at 2025 CU:REALM Live! in San Diego

Leading industry expert to share insights on using localized mortgage data to drive credit union growth

DES MOINES, Iowa, Feb. 19, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced that its CEO, Laird Nossuli, will present at the 2025 CU: REALM Live! April 14–15 in San Diego, California. Nossuli will lead the day one session on “Utilizing Market-level Mortgage Data to Increase Referrals and Grow Originations,” offering credit union leaders actionable strategies for leveraging localized mortgage data to expand their member base and grow lending volume.

Image caption: iEmergent CEO Laird Nossuli.

CU:REALM Live! is an annual event that brings together credit union professionals, industry experts and thought leaders to share insights, strategies and best practices for optimizing credit union mortgage lending operations. Nossuli’s session will provide attendees with a framework for using hyperlocal data to identify lending opportunities, strengthen referral relationships and improve member engagement.

“The mortgage landscape continues to evolve, and credit unions have a unique opportunity to grow their lending portfolios by tapping into underserved markets,” said Nossuli. “Using market-level data, credit unions can better understand their communities’ homeownership potential and build targeted sustainable growth strategies.”

A recognized authority in mortgage market analytics, Nossuli has consulted with leading banks, credit unions and independent mortgage lenders to help them align their lending efforts with demographic and market trends. Her work includes collaborations with the Mortgage Bankers Association’s CONVERGENCE initiatives and municipal partnerships focused on expanding access to homeownership.

The 2025 CU:REALM Live! event will kick off on Monday, April 14, with a half-day session at the Courtyard San Diego Miramar and an evening networking dinner. Nossuli’s presentation is part of the event’s dynamic agenda, which features keynote speakers Selma Hepp of CoreLogic and industry veterans Rob and Robbie Chrisman. The second day, hosted at Mission Federal Credit Union, will include interactive discussions, panel presentations and leadership roundtables.

Registration is now open, and interested attendees can reserve their spot here.

About iEmergent

Tags: @iEmergent #mortgage #creditunions #homeownership

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-ceo-laird-nossuli-to-speak-at-2025-curealm-live-in-san-diego/

iEmergent named to HousingWire’s Tech100 list for 2025

Recognition highlights iEmergent's groundbreaking mortgage market intelligence platform, Mortgage MarketSmart

DES MOINES, Iowa, Feb. 4, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced its selection to HousingWire’s 2025 Tech100 Mortgage list. The prestigious recognition honors iEmergent’s flagship platform, Mortgage MarketSmart, for equipping mortgage lenders with the insights to serve diverse and underserved communities.

Image caption: HousingWire Tech100 Honoree.

Mortgage MarketSmart is the industry’s only market intelligence and forecasting platform that helps lenders locate and engage home-ready, underserved markets. By integrating comprehensive loan origination forecasts with demographic, economic, housing and competitor data, iEmergent enables lenders to visualize and act on lending opportunities at both macro and micro levels. The platform’s interactive maps empower lenders to pinpoint market gaps, develop targeted lending strategies and recruit loan officers who can support diverse homeownership initiatives.

“Understanding and addressing homeownership disparities requires more than good intentions—it demands data-driven strategies,” said iEmergent CEO Laird Nossuli. “Mortgage MarketSmart provides lenders with the intelligence they need to identify and serve historically overlooked communities. Being recognized by HousingWire underscores the impact our technology is making in advancing equitable lending.”

“The 2025 Tech100 honorees are driving real transformation in mortgage and real estate,” said HousingWire Editor-in-Chief Sarah Wheeler. “These companies are not just enhancing processes—they’re redefining what’s possible. Their innovations, from streamlining lending operations to elevating the real estate experience, pave the way for a more efficient and dynamic housing market.”

HousingWire’s Tech100 awards program, now in its 13th year, celebrates companies pioneering new housing finance solutions. Learn more about HousingWire Tech100 and view iEmergent’s complete company profile here: https://www.housingwire.com.

About iEmergent

Founded in 2000, iEmergent provides mortgage lending forecasts and market intelligence to help lenders strategically expand homeownership opportunities. Mortgage MarketSmart, iEmergent’s industry-leading visualization tool, equips lenders with actionable insights to engage diverse and emerging markets effectively. The company’s consultative services also support lenders in implementing Special Purpose Credit Programs (SPCPs) and other outreach initiatives. For more information, visit https://www.iemergent.com/.

Tags: @iEmergent #housingfinance #housingequity #housingeconomy #mortgage @HousingWire #HWTech100

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-named-to-housingwires-tech100-list-for-2025/

iEmergent launches shareable market intelligence dashboards to help lenders unlock mortgage growth opportunities

iEmergent introduces a faster, more interactive way for lenders to explore loan production, referral networks and competitive performance

DES MOINES, Iowa, Jan. 30, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced the release of four new market intelligence dashboards that make it easy for lenders to slice, visualize, export and share historical and forecasted loan production, real estate listing and demographic data. Powered by iEmergent’s award-winning market intelligence platform Mortgage MarketSmart, the new dashboards empower banks, credit unions and independent mortgage bankers (IMBs) to identify untapped mortgage lending opportunities and implement actionable growth strategies.

Image caption: iEmergent.

iEmergent’s market intelligence dashboards are designed for both flexibility and ease of use, making powerful data visualizations accessible to experts and non-experts alike. These dashboards uncover insights that support strategic planning as well as day-to-day operations. Built-in sharing capabilities allow lenders to instantly send dashboard insights via email or export them as PDFs, Excel spreadsheets, or PowerPoint presentations for more streamlined collaboration with colleagues and partners.

The first four market intelligence dashboards available now include:

Loan Officer Profile
Optimizes recruiting, performance management and retention strategies by analyzing and ranking HMDA-reported loan production data for tens of thousands of mortgage loan originators. Users can filter by geography, transaction type, loan type and property type to dynamically generate insights broken down by loan purpose, average loan size and market penetration in key census tract designations, including majority-minority and CRA-eligible areas. A built-in map brings each loan officer’s footprint to life, and users can also access contact details for the buy-side and sell-side real estate agents involved in each loan.
Lender Profile
Gives IMBs, credit unions and banks a competitive edge by offering visibility into peer institutions’ market share, loan production and growth trends. Lenders can identify their competitors’ top-performing loan officers, analyze referral sources and assess market positioning to refine their marketing and partner strategies.
Real Estate Agent Profile
Strengthens referral partnerships by providing line of sight into agent listing data and market influence. Users can filter by geography, agent role, property type and listing status. They can also rank agents by transaction volume, track trends over time, map activity and identify the loan officers and financial institutions agents collaborate with to uncover new business opportunities.
Builder Profile
Simplifies builder partnership analysis with a comprehensive view of builder production data. Users can filter by geography, rank builders by production volume and drill into individual builder activity, including their affiliated real estate agents, loan officers and mortgage companies. This dashboard is particularly valuable for loan officers specializing in new construction, helping them identify strategic partnership opportunities and competitive advantages in key markets.

“iEmergent’s market intelligence dashboards enable lenders to create beautiful, precise market and competitive analyses in seconds, no matter their level of data expertise,” said iEmergent CEO Laird Nossuli. “And because iEmergent’s market intelligence is designed to inform real-world growth strategies, we’ve made it a breeze to put data into action by sharing dashboards with colleagues and business partners.”

“Whether it’s operational leaders assessing competitive position, recruiters identifying top loan officers or loan officers strengthening referral partnerships, our dashboards deliver dynamic, actionable insights in seconds,” added COO Bernard Nossuli. “By making critical data more accessible, we’re helping lenders make smarter decisions, faster.”

iEmergent will expand its dashboard offerings in March with the launch of a HMDA Analysis dashboard lenders can use to explore 2024 Home Mortgage Disclosure Act data. Additional Forecast and Equitable Lending dashboards are also in development and will provide predictive market data and fair lending analysis, respectively.

Future enhancements will include full integration of all dashboards into Mortgage MarketSmart and the ability for lenders to request custom dashboards that can be delivered quickly and cost-effectively, without the lengthy development cycles typical of traditional software projects.

To request a demo of iEmergent’s market intelligence dashboards, visit https://www.iemergent.com/request-demo.

About iEmergent

X/Twitter: @iemergent #lending #mortgage #mortgagelending #bi

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-launches-shareable-market-intelligence-dashboards-to-help-lenders-unlock-mortgage-growth-opportunities/

Iowa Author Launches New Women’s Romance-Suspense Novel, ‘I’ll Call You Mine’

DES MOINES, Iowa, Dec. 19, 2024 (SEND2PRESS NEWSWIRE) — Romance and suspense novelist Sharon L. Clark ushers in a new series just in time for holiday book shoppers. On December 3, 2024, “I’ll Call You Mine” (ISBN: 979-8886533033), the first in Clark’s Enderlin Calling series hit bookshelves and is already making a buzz in the romance, workplace romance, and suspense novel categories on Amazon, Barnes & Noble and other major book outlets. Clark’s debut release via Satin Romance Imprint from Melange Books, LLC, is available in paperback print and eBook formats through your favorite book retailers.

Image caption: “I’ll Call You Mine” by Sharon L. Clark.

ABOUT “I’LL CALL YOU MINE”

When Katie Parker flees San Francisco for her small Midwestern hometown, she expects to leave behind an obsessed admirer. Being back in her family home gives her a sense of safety, her new job gives her purpose…and her coworker Ben Collins lights a spark she’s been missing for far too long.

For Ben, life in Enderlin is quiet and peaceful, his biggest concern the ex-fiancée who keeps turning up like a bad penny. That is, until he literally bumps into a curvy brunette with stunning blue eyes and something to prove. Parker is a complication he doesn’t want or need; so why can’t he get her out of his head?

Katie settles into her new life, reconnecting with family and friends and falling for Ben’s easy charm a little more every day. But her attempt to escape seems to have made the stalker bolder, and his love letters quickly escalate to threats she can’t ignore.

When the mounting danger crosses the point of no return, Katie is left shocked, terrified – and utterly alone. But she knows one thing for certain; if she wants to get back to Ben and everyone she loves, she’s in for the fight of her life.

Image caption: Author Sharon L. Clark.

ABOUT THE AUTHOR, SHARON L. CLARK:

Sharon L. Clark is a romantic suspense author hailing from Des Moines, Iowa, where she never outgrew her enormous imagination and continues to feed both her hopeless-romantic heart and her villain-wannabe brain.

An avid reader from a very young age, Sharon still enjoys living vicariously through the heroines in adventure novels, falling in love again and again through romances, and getting the tar scared out of her now and again. After attending the University of Northern Iowa Sharon met her husband, Andrew, and together they have raised three pretty cool humans and a handful of dogs.

It wasn’t until she was nearly an empty-nester that she allowed herself to explore the stories running around inside her head. decided to focus on letting other people see what goes on inside her head: the good, the bad, and the bizarre.

“I’ll Call You Mine” is her debut novel, but you can check out her short stories and other musings on her website at https://SharonLClark.com/ or see what she’s up to on her other social channels:

FB: https://www.facebook.com/SharonLClarkAuthor/

X: https://x.com/sharclark36

IG: https://www.instagram.com/sharclark40

SUMMARY:

Title: “I’ll Call You Mine”

Released: December 3, 2024

Author: Sharon L. Clark

ISBN: 979-8-88653-303-3 Print

ISBN: 979-8-88653-304-0 eBook

Amazon: https://a.co/d/iiijkRO

Barnes & Noble: https://www.barnesandnoble.com/w/ill-call-you-mine-sharon-l-clark/1146566104?ean=9798886533033

Learn more: https://sharonlclark.com/

MULTIMEDIA:

Photo links for media

[1] Book: https://www.Send2Press.com/300dpi/24-1219-s2p-icyoumine-300dpi.jpg

Caption: “I’ll Call You Mine” by Sharon L. Clark.

[2] Author: https://www.Send2Press.com/300dpi/24-1219-s2p-Sharon-Clark-300dpi.jpg

Caption: Sharon L. Clark, Author.

NEWS SOURCE: Author Sharon L. Clark

This press release was issued on behalf of the news source (Author Sharon L. Clark), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/iowa-author-launches-new-womens-romance-suspense-novel-ill-call-you-mine/

iEmergent revises 2024-2026 U.S. Mortgage Origination Forecast downward

Purchase mortgage originations fell short of expectations amid stubbornly high interest rates, low housing affordability

DES MOINES, Iowa, Sept. 25, 2024 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced downward revision of its 2024–2026 U.S. Mortgage Origination Forecast. Updated to reflect ongoing economic conditions, iEmergent now expects lower-than-anticipated growth for the next two years, particularly in the purchase mortgage market, while refinance volumes are projected to rise due to a gradual decline in mortgage interest rates.

Image caption: Historical and forecasted first-lien mortgage originations for 1–4 family homes.

The revision comes as part of iEmergent’s quarterly forecast update, which integrates the latest economic data and market trends into the company’s detailed projections for mortgage originations across the United States. Using its proprietary forecasting methodology, iEmergent has adjusted its forecast for 2024 to reflect weaker-than-expected performance in purchase mortgage originations, which fell short of early-year estimates due to persistently high interest rates and continued housing affordability challenges.

According to iEmergent Chief Economist Mark Watson, 2024 purchase mortgage originations are now projected to decrease in loan count compared to 2023, though an increase in average loan sizes will lead to a modest 3.5% increase in purchase volume. Meanwhile, refinance originations are expected to rise 48% from their 2023 lows, driven by the recent softening of mortgage interest rates.

Looking ahead, iEmergent forecasts purchase volumes will grow by 7% in 2025, while refinance originations will increase by 37%, reflecting a more favorable interest rate environment. By 2026, overall mortgage origination volumes are expected to show modest recovery as housing affordability gradually improves.

“The economic boon of the COVID-era refinance boom has been underappreciated in its impact on keeping interest rates higher for longer than anticipated,” said Watson. “While this has helped maintain economic strength, it has also suppressed mortgage origination volumes. We expect rates to finally start declining in the months ahead, offering some relief for both potential buyers and those looking to refinance.”

The updated 2024–2026 U.S. Mortgage Origination Forecast is now available within iEmergent’s Mortgage MarketSmart platform, which allows lenders to map future lending opportunities at the census tract level and overlay them with historical loan production data, demographic insights, property listings and more.

Read Mark Watson’s latest blog for more detailed analysis and commentary on the forecast update.

Methodology

About iEmergent

X/Twitter: @iemergent #housingfinance #housingequity #housingeconomy #mortgage #HMDA #fairlending

NEWS SOURCE: iEmergent

To view the original story, visit: https://www.send2press.com/wire/iemergent-revises-2024-2026-u-s-mortgage-origination-forecast-downward/

Iowa-Based Clothing Company Bassackwards Tees Expands its Lineup

DES MOINES, Iowa, Aug. 17, 2015 (SEND2PRESS NEWSWIRE) -- Bassackwards Tees(TM), a Des Moines based clothing company, has announced that due to increasing customer demand, they have just released an additional four state T-shirts to their lineup, which include Illinois, West Virginia, Arkansas and Georgia. The company already offers their unique, increasingly popular and "crazy soft" shirts for eight U.S. states bringing the total now to twelve states overall.

According to their website - www.bassackwardstees.com - customers can send email requests for new states to be added to their list.

What started out as somewhat of a local following in Iowa has now grown to include surrounding states, including what have quickly become their best sellers; the states of Florida, Texas, New York, and California.

Owner, Bret Baldwin states that, "We like the fact that our shirts are putting a smile on people's face and making them happy, but there's a bigger purpose to our little business than just selling cool T-shirts. Since the 2012 diagnosis of Duchenne Muscular Dystrophy for our two little nephews, our family has endured the roller-coaster of emotions, the financial burden of medical needs and treatment, and the stark reality of what the future holds for our two little guys and thousands of other little boys around the world."

He adds, "Because of our first-hand and personal experience with this terrible disease in our own family we have committed to donating a minimum of 10 percent of all profits to help find a cure for DMD."

The company intends to continue adding additional states according to demand until all 50 U.S. states are available and also has plans to offer limited addition shirts that will follow the same "bassackwards" theme.

To learn more visit: http://www.bassackwardstees.com/ and https://www.facebook.com/bassackwardstees .

About Bassackwards Tees:

Bassackwards Tees is a locally owned and operated clothing company based in Des Moines, Iowa that designs and sells a unique style of men's and women's T-shirts based on U.S. states. The company's clothing is only available online and is expanding their lineup of states based off of customer demand.

Twitter: @bassackwardstee

* PHOTO for media: Send2Press.com/mediaboom/15-0817-baclothing-300dpi.jpg

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/iowa-based-clothing-company-bassackwards-tees-expands-its-lineup-2015-0817-02.shtml.

NEWS SOURCE Bassackwards Tees :: This press release was issued on behalf of the news source (who is solely responsible for its accuracy) by and Copr. © 2015 Send2Press® Newswire, a service of Neotrope®.

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Tag Archives: DES MOINES, Iowa

Analysis: iEmergent’s 2025 U.S. mortgage forecasts closely track HMDA actuals

iEmergent supports launch of CONVERGENCE Knowledge Hub with Market Profile Dashboard

iEmergent releases 2025 HMDA insights: volume rebounds, but the mortgage market grows more concentrated

iEmergent introduces free webinar series to help lenders turn market data into mortgage growth

iEmergent earns third HousingWire Tech100 recognition for mortgage forecasting and market intelligence

iEmergent’s latest U.S. mortgage forecast validation confirms industry-leading accuracy

iEmergent puts HMDA benchmarking, market analysis and broker insights at lenders’ fingertips with newest set of market intelligence dashboards

U.S. mortgage loan originations to climb nearly 10% in 2026, iEmergent forecasts

iEmergent honored with PROGRESS in Lending’s 2025 Connections Award

iEmergent releases 2024 HMDA insights: IMBs dominate, refinances rise, equity gaps persist

iEmergent confronts the DEI debate with bold webinar on the business case for diverse lending

iEmergent CEO Laird Nossuli recognized among National Mortgage Professional’s 2025 Diversity Leaders

Conterra Ag Names Jake Espenmiller as President and CEO, Marking a New Era In Agricultural Finance

iEmergent CEO Laird Nossuli to speak at 2025 CU:REALM Live! in San Diego

iEmergent named to HousingWire’s Tech100 list for 2025

iEmergent launches shareable market intelligence dashboards to help lenders unlock mortgage growth opportunities

Iowa Author Launches New Women’s Romance-Suspense Novel, ‘I’ll Call You Mine’

iEmergent revises 2024-2026 U.S. Mortgage Origination Forecast downward

Iowa-Based Clothing Company Bassackwards Tees Expands its Lineup