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Rate Lock Volume
Tracks the volume of rate locks, offering a glimpse into future loan originations and the company's ability to secure business in a competitive market.Rate lock volume has staged a clear recovery from the 2022 trough and has accelerated into 2025–Q1 2026, reflecting the benefit of reopened channels and expanded sales capacity. Management’s reported pull‑through gains and hiring support continued origination momentum, but Q1 margin compression and a strategic shift toward Figure-enabled HELOCs (which don’t sit in lock denominators) mean volume growth may not convert directly to higher profitability. Watch mix (HELOC vs. locked mortgages), gain‑on‑sale guidance, and hedging execution—these will determine whether rising locks translate into durable earnings recovery.
Date | Rate Lock Volume |
|---|---|
Jun 30, 2026 | $8.99B |
Mar 31, 2026 | $11.45B |
Dec 31, 2025 | $10.00B |
Sep 30, 2025 | $9.46B |
Jun 30, 2025 | $8.56B |
Mar 31, 2025 | $7.64B |
Dec 31, 2024 | $7.65B |
Sep 30, 2024 | $9.79B |
Jun 30, 2024 | $8.30B |
Mar 31, 2024 | $6.80B |