Source: U.S. Census Bureau and HUD, New Residential Construction, July 2026, released August 18, 2026.
One detail worth watching: single-family starts fell 9.9% in July, while single-family permits increased 2.5%. Starts tell us what just happened. Permits give us a window into what builders may be preparing for next.
https://t.co/6GPlWShvGA
Single family housing starts fell 9.9% in July.
You can’t control housing supply.
You can’t control Treasury yields.
You can’t control when rates fall.
You can control what happens after a borrower enters your pipeline.
That matters a lot more in this market.
3/
Most operators assume they are somewhere in the middle. Very few have measured where they actually sit.
Where would your last four quarters put you? Where do you want to be for the next four quarters?
Two mortgage companies. Same rates. Same guidelines. Same borrowers.
One earns 139 bps. The other loses 70.
A 200 basis point gap between the top and bottom 20 percent of lenders. It has held every quarter for ten years. Boom, crash, recovery. It does not close.
Where would your last four quarters put you?
Thread version if you want the full argument:
2/
And here is the part that should bother you. It has been there in every quarter for the last ten years. Through the 2020 boom. Through the 2022 collapse. Through the recovery.
If it closed when volume came back, you could call it a rate problem. It does not close.
What are mortgage regulators actually looking for across social media, websites, and digital marketing?
Join me and Katie Klauss for a webinar on The New Reality of Mortgage Compliance
Real findings. Real fixes. Practical steps.
Register: https://t.co/ngjWd5m4wG
Different locations, same holiday spirit 🎁 Our holiday gift exchange brought plenty of laughs, surprises, and cheer to the ActiveComply team. Happy Holidays, everybody!
Check out my latest article: Digital Duct Tape: Why Mortgage Lenders Need to Rethink Their Approach to Social Media and Website Compliance https://t.co/odXB8PoUSx via @LinkedIn
I’ll be speaking at NAMMBA Connect next month alongside two rockstars: Chanelle Yarber and Jen Peachman!
We’re breaking down how every department plays a role in marketing (even compliance).
📅 Friday, Aug 22 | 1:00 PM
📍 Orlando, FL
Come hang! #NAMMBAConnect
Looking for a compliance solution that actually works for you and your team?
Marty Allred, CCO at American Pacific Mortgage, shares why her team made the switch to ActiveComply: https://t.co/Ux5Pgeg0MO
#TestimonialTuesday#ActiveComply
🎉 Wishing everyone a compliant and successful New Year!
Here’s to growth, opportunity, and keeping things audit-ready in 2025. Let’s make it a great year!
#HappyNewYear#ComplianceMatters#ActiveComply
🚨 Mortgage professionals – are your advertising and marketing practices SAFE Act compliant?
ActiveComply’s latest blog breaks down The SAFE Act 101 – a must-read guide to ensure your mortgage marketing aligns with federal regulations.
https://t.co/zDRBsEDgPi
Don’t miss out on this opportunity to gain actionable insights to strengthen your risk assessment framework. This session is ideal for compliance officers, risk management professionals, and anyone looking to enhance their compliance strategies.
https://t.co/Y8ygSqgShM
We’re excited to connect at the ACUMA Annual Conference! We understands the hesitation many credit unions have around the use of social media due to compliance concerns. ActiveComply's SocialShield provides the protection your credit union needs to confidently engage online.
Excited to head to Washington, D.C. for MBA’s Compliance and Risk Management Conference! If you’re attending and want to chat about how we can help streamline your compliance processes, let’s connect! You can email me at [email protected], or just find us at the conference.
Join us TOMORROW September 4th at 2 PM ET for Compliance & Coffee on RESPA with Melissa Grindel and Brian Levy!
https://t.co/YkQsvpFQbz
Get the latest insights, ask your burning questions, and deepen your understanding of RESPA.
Be sure to secure your spot today!