The mortgage industry is at a pivotal crossroads. After years of volatility and uncertainty, 2025 is closing with renewed optimism as interest rates begin to slide and the market shows signs of a reset. For mortgage professionals, this moment brings both fresh challenges and exciting opportunities. Understanding how to navigate shifting borrower expectations, heightened rate sensitivity, and the rise of non-QM products is critical to staying ahead in a rapidly evolving landscape.
In this episode of MPA Talk, Matt Sexton sits down with Tom Hutchens, President of Angel Oak Mortgage Solutions and a nationally recognized leader in non-QM lending. Together, they unpack the latest market trends, discuss how originators can adapt to changing conditions, and explore why non-QM loans are becoming indispensable tools for today’s mortgage professionals.
What you’ll gain from this episode:
•How to capitalize on sliding mortgage rates: Learn why even small rate drops are sparking a surge in refinancing and how to position yourself for success.
•Winning strategies for originators: Discover proven communication tactics and business development moves that top producers are using to stay competitive.
•The expanding role of non-QM loans: Understand why non-QM products are filling critical gaps in the market and how they can help you serve a broader range of clients.
•Managing borrower rate sensitivity: Get expert advice on handling the new wave of refinance-ready borrowers and the challenges of heightened rate sensitivity.
•What’s ahead for 2026: Hear predictions on interest rates, employment trends, and the future of mortgage lending from one of the industry’s top voices.
Ready to future-proof your business and lead in the next era of mortgage lending? Tune in now and get the expert insights you need to thrive – listen and learn from the best in the business.
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The mortgage industry is at a pivotal crossroads. After years of volatility and uncertainty, 2025 is closing with renewed optimism as interest rates begin to slide and the market shows signs of a reset. For mortgage professionals, this moment brings both fresh challenges and exciting opportunities. Understanding how to navigate shifting borrower expectations, heightened rate sensitivity, and the rise of non-QM products is critical to staying ahead in a rapidly evolving landscape.
In this episode of MPA Talk, Matt Sexton sits down with Tom Hutchens, President of Angel Oak Mortgage Solutions and a nationally recognized leader in non-QM lending. Together, they unpack the latest market trends, discuss how originators can adapt to changing conditions, and explore why non-QM loans are becoming indispensable tools for today’s mortgage professionals.
What you’ll gain from this episode:
•How to capitalize on sliding mortgage rates: Learn why even small rate drops are sparking a surge in refinancing and how to position yourself for success.
•Winning strategies for originators: Discover proven communication tactics and business development moves that top producers are using to stay competitive.
•The expanding role of non-QM loans: Understand why non-QM products are filling critical gaps in the market and how they can help you serve a broader range of clients.
•Managing borrower rate sensitivity: Get expert advice on handling the new wave of refinance-ready borrowers and the challenges of heightened rate sensitivity.
•What’s ahead for 2026: Hear predictions on interest rates, employment trends, and the future of mortgage lending from one of the industry’s top voices.
Ready to future-proof your business and lead in the next era of mortgage lending? Tune in now and get the expert insights you need to thrive – listen and learn from the best in the business.
2025 Lending Trends: What Brokers Need to Know About Non-QM Growth
MPA Talk
14 minutes 9 seconds
5 months ago
2025 Lending Trends: What Brokers Need to Know About Non-QM Growth
In a challenging mortgage landscape marked by rising rates and shifting borrower profiles, the non-QM (non-qualified mortgage) space is emerging as a crucial growth engine —and one that originators ignore at their own peril. With traditional loan volumes in decline and more borrowers falling outside agency guidelines, non-QM is no longer a niche alternative—it's a mainstream necessity. From self-employed entrepreneurs to seasoned investors tapping into home equity, demand for flexible lending options is surging in 2025.
In this episode of MPA Talk, Editor Fergal McAlinden sits down with two industry leaders — Tom Hutchens, President of Angel Oak Mortgage Solutions, and Scott Gruebele, Senior Account Executive at Angel Oak Mortgage Solutions—to unpack what’s driving the rapid rise of non-QM lending. Whether you're just starting to explore this space or looking to deepen your expertise, this conversation offers a clear, actionable guide to staying competitive in a changing market.
Here’s what you’ll take away from the episode:
• Why non-QM is growing while agency lending declines
• The borrower segments fueling non-QM growth in 2025
• Top-performing non-QM products—like second liens, interest-only, and bank statement loans
• How originators can tap into massive untapped home equity
• The steps brokers need to take to become non-QM experts
• Why aligning with an experienced lender like Angel Oak is crucial to success
• Trends on the horizon: investor activity, jumbo opportunities, and more
Don’t fall behind—start building your non-QM pipeline today.
Listen now and discover how to position your business for sustainable growth in the evolving mortgage market.
MPA Talk
The mortgage industry is at a pivotal crossroads. After years of volatility and uncertainty, 2025 is closing with renewed optimism as interest rates begin to slide and the market shows signs of a reset. For mortgage professionals, this moment brings both fresh challenges and exciting opportunities. Understanding how to navigate shifting borrower expectations, heightened rate sensitivity, and the rise of non-QM products is critical to staying ahead in a rapidly evolving landscape.
In this episode of MPA Talk, Matt Sexton sits down with Tom Hutchens, President of Angel Oak Mortgage Solutions and a nationally recognized leader in non-QM lending. Together, they unpack the latest market trends, discuss how originators can adapt to changing conditions, and explore why non-QM loans are becoming indispensable tools for today’s mortgage professionals.
What you’ll gain from this episode:
•How to capitalize on sliding mortgage rates: Learn why even small rate drops are sparking a surge in refinancing and how to position yourself for success.
•Winning strategies for originators: Discover proven communication tactics and business development moves that top producers are using to stay competitive.
•The expanding role of non-QM loans: Understand why non-QM products are filling critical gaps in the market and how they can help you serve a broader range of clients.
•Managing borrower rate sensitivity: Get expert advice on handling the new wave of refinance-ready borrowers and the challenges of heightened rate sensitivity.
•What’s ahead for 2026: Hear predictions on interest rates, employment trends, and the future of mortgage lending from one of the industry’s top voices.
Ready to future-proof your business and lead in the next era of mortgage lending? Tune in now and get the expert insights you need to thrive – listen and learn from the best in the business.
