Arc Home is Live in ARIVE! Learn more here.
November 7, 2024
NAMB and MBA Conferences 2025
I recently spent five nights in Las Vegas at NAMB and the MBA conference back-to-back. That is longer than anyone needs to be in Vegas, but the conversations were worth it. The tone was positive and focused. Brokers and correspondent lenders were talking growth, execution, and real opportunity. A lot of people said the same thing in different ways — 2026 finally looks like a year set up for steady, sustainable growth.
That optimism is grounded in data. The MBA’s most recent forecast points toward healthier mortgage volume led primarily by purchase, not a refinance wave.
Product mix is reflecting that shift. Non-QM has moved from niche to meaningful, with multiple independent reads showing record participation this past summer.
Rates easing improves sentiment, but pricing grids and underwriting rules continue to shape deal flow. Loan-Level Pricing Adjustments are still materially impacting scenarios like cash-outs, investment properties, and middle-credit profiles — which is exactly where Non-QM and Non-Agency often wins with structure, documentation flexibility, and speed to approval.
Another clear trend is the growing preference for equity access without disturbing a low first mortgage. The home-equity research and forecasts from MBA point to continued strength in second-position usage heading into 2026 as borrowers prioritize flexibility and control over full-scale refinancing.
Arc Home has been investing throughout the year in the same areas the market is prioritizing: greater Non QM capacity and pricing insight, HomeEQ scale and fulfillment, faster and more consistent underwriting, and partner tools that reduce friction at the point of sale. We head into 2026 prepared to execute.
- Brian Devlin, President/CEO