The business of mortgage banking, observed.
Independent analysis of how mortgage lenders compete, perform and change, built on data and industry experience.
One observation at a time.
Short, visual analysis of the trends and decisions shaping the mortgage business. Each post takes one question and shows the data, method and sources behind it.
The first post is on its way.
About.
Mortgage Analytica is a personal project about the business of mortgage banking: how lenders make money, manage risk, compete for customers and adapt to new technology.
Each post starts with a question and works through the data, connecting what's in the numbers to what's happening across the industry. I put the posts together with my own analysis and a set of tools that includes AI, and each one lists its sources and method.
I'm John Collins, a mortgage banking leader with 18 years across capital markets, secondary marketing, financial strategy and business development. That background shapes the questions I ask about how lenders manage risk, deploy capital and compete over the long run.
Mortgage Analytica is an independent personal project. The views expressed are my own and do not represent those of my employer.