If you're in the mortgage game—and serious about it—strategy planning for the coming year is an annual ritual. When crafting that plan, it never hurts to compare your outlook with that of big players in the mortgage origination space. And in Canada, they don't

For many in the business, 2023 was to the mortgage sector what pigeons are to statues. Fortunately, the slate wipes clean in less than a month. With rate relief on the horizon and December volumes as slow as Toronto traffic, there's no better time to strategize on expanding

The in-house lenders of major U.S. homebuilders are buying down mortgage rates like they're in a frenzy. It's become their go-to strategy to move new homes. For example, America's largest homebuilder, D.R. Horton, offers rates a whopping 150 bps below the market.

When Smith Financial bought out Home Capital, it necessitated that Home lose its precious NHA mortgage-backed securities (MBS) and Canada Mortgage Bond (CMB) allocations—i.e., the ability to fund its mortgages through MBS and CMBs. That was a crushing blow to Home's prime mortgage competitiveness. After all,