Refinancing at the Forefront of Mortgage Origination as Rates Come Down

Friday, February 13th, 2026

While mortgage originations remain constrained due to affordability concerns, refinancing is driving increased activity as mortgage rates have come down from record highs to near 6%, according to the latest data from ATTOM. ATTOM’s Mortgage Origination Report for Q4 2025 found that 1.72 million mortgages secured by residential property were issued, a 6% decrease from…

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