--- title: "MonitorBase Insider: What is the data telling us today?" description: Interested in seeing where the hot spots are in mortgage originations? Here are some interesting stats and trends that we are seeing in the data right now. image: https://blog.monitorbase.com/hubfs/Imported_Blog_Media/trends-Apr-11-2025-01-46-29-0877-PM.jpg --- 1 min read # MonitorBase Insider: What is the data telling us today? [ Louis Zitting ](https://blog.monitorbase.com/author/louis-zitting) : Apr 17, 2020 12:00:00 AM [credit migration](https://blog.monitorbase.com/tag/credit-migration) [inquiry alerts](https://blog.monitorbase.com/tag/inquiry-alerts) [weekly trends](https://blog.monitorbase.com/tag/weekly-trends) ![MonitorBase Insider: What is the data telling us today?](https://blog.monitorbase.com/hubfs/Imported_Blog_Media/trends-Apr-11-2025-01-46-29-0877-PM.jpg) Interested in seeing where the hot spots are in mortgage originations? Here are some interesting stats that we are seeing in the data right now. **Disclaimer:** These are numbers that we are seeing in the MonitorBase platform, and does not necessarily  represent stats for the entire country. Although, this should give you a good idea of some interesting trends, and hopefully helps in your current origination efforts.   **More recent mortgage.. more activity. **We are seeing a higher trend in [mortgage inquiries](https://academy.monitorbase.com/knowledge/what-is-an-inquiry-alert) (mortgage application credit pulls) for households that have a mortgage opened within the past 12 months. **In the past week 22.6% of mortgage inquiry alerts had a mortgage age between 1-12 months old. See the table below:** | **Age of mortgage** | **% of total inquiry alerts ** | | --- | --- | | 1-12 months | **22.6%** | | 13-24 months | 17.6% | | 25-36 months | 14.8% | | 37-48 months | 11.1% | | 49-60 months | 7.4% |   This paints the picture of why many lenders are experiencing high numbers or [Early Payoff Penalties](https://blog.monitorbase.com/blog/early-payoff-warnings). The current interest rate environment helps, but another factor that may lead to new homeowners refinancing in the first year is payment shock. Changing from a rent payment to a mortgage payment and all the utilities that come with it is a big life change.   **Higher score... higher app rates? **This is a new trend. Generally we see applications pretty spread out from a 620 score up to 850. Recently, we are seeing much high inquiry alert rates in the higher score ranges.  **74.2% of inquiry alerts for the past week have a 700+ score. See below..** | **Score Range** | **% of total inquiry alerts** | | --- | --- | | 700+ | **74.2%** | | 640-699 | 14.9% | | 620-639 | 3.1% | | 580-619 | 3.9% | | 350-579 | 3.9% | It would appear that given the current situation with coronavirus and the unemployment that it has created, it may be discouraging lower credit borrowers from applying and taking advantage of the low interest rate market. We think this will create a lot of opportunity with [Credit Migration alerts](https://academy.monitorbase.com/knowledge/what-is-a-credit-migration-alert) over the next year as people can get back to work and recover from financial issues that they are experiencing currently.   To see more mortgage trend updates like this, subscribe to the MonitorBase Blog at the top of the page or join our [MonitorBase Insider Facebook Group](https://www.facebook.com/groups/MBinsider/). - [Tweet](https://twitter.com/share) [![MonitorBase Insider: Email Engagement and Open Rates](https://blog.monitorbase.com/hubfs/Imported_Blog_Media/trends-Apr-11-2025-01-46-29-0877-PM.jpg) ](https://blog.monitorbase.com/email-engagement-and-open-rates) #### [MonitorBase Insider: Email Engagement and Open Rates](https://blog.monitorbase.com/email-engagement-and-open-rates) [Louis Zitting](https://blog.monitorbase.com/author/louis-zitting) : Apr 28, 2020 12:00:00 AM Here’s your MonitorBase Insider Trend update for the week! This week we would like to tell you about open rates on email offers from alerts, as well... [firm offer email](https://blog.monitorbase.com/tag/firm-offer-email) [email marketing](https://blog.monitorbase.com/tag/email-marketing) [credit migration](https://blog.monitorbase.com/tag/credit-migration) [email activity](https://blog.monitorbase.com/tag/email-activity) [email notifications](https://blog.monitorbase.com/tag/email-notifications) [email addresses](https://blog.monitorbase.com/tag/email-addresses) [inquiry alerts](https://blog.monitorbase.com/tag/inquiry-alerts) [email open rates](https://blog.monitorbase.com/tag/email-open-rates) [weekly trends](https://blog.monitorbase.com/tag/weekly-trends) [Read More](https://blog.monitorbase.com/email-engagement-and-open-rates) [![MB Insider Trends: Applications and Inventory](https://blog.monitorbase.com/hubfs/Imported_Blog_Media/mbi728-1.jpg) ](https://blog.monitorbase.com/mb-insider-trend-applications-and-inventory) #### [MB Insider Trends: Applications and Inventory](https://blog.monitorbase.com/mb-insider-trend-applications-and-inventory) [Louis Zitting](https://blog.monitorbase.com/author/louis-zitting) : Jul 28, 2020 12:00:00 AM Interested in seeing where the hot spots are in mortgage originations? Here are some interesting stats that we are seeing in the data right now. [epo warning](https://blog.monitorbase.com/tag/epo-warning) [Facebook Group](https://blog.monitorbase.com/tag/facebook-group) [credit migration](https://blog.monitorbase.com/tag/credit-migration) [how to](https://blog.monitorbase.com/tag/how-to) [mortgage trigger](https://blog.monitorbase.com/tag/mortgage-trigger) [customer service](https://blog.monitorbase.com/tag/customer-service) [client retention](https://blog.monitorbase.com/tag/client-retention) [inquiry alerts](https://blog.monitorbase.com/tag/inquiry-alerts) [refinance](https://blog.monitorbase.com/tag/refinance) [future buyers](https://blog.monitorbase.com/tag/future-buyers) [first time home buyer](https://blog.monitorbase.com/tag/first-time-home-buyer) [weekly trends](https://blog.monitorbase.com/tag/weekly-trends) [early pay off](https://blog.monitorbase.com/tag/early-pay-off) [mortgage inquiry](https://blog.monitorbase.com/tag/mortgage-inquiry) [Read More](https://blog.monitorbase.com/mb-insider-trend-applications-and-inventory) [![MB Insider Trends: Low to Moderate Income](https://blog.monitorbase.com/hubfs/Imported_Blog_Media/backgroud%20cropped-Apr-11-2025-01-46-42-8605-PM.png) ](https://blog.monitorbase.com/mb-insider-trends-low-to-moderate-income-recession) #### [MB Insider Trends: Low to Moderate Income](https://blog.monitorbase.com/mb-insider-trends-low-to-moderate-income-recession) [William LeBaron](https://blog.monitorbase.com/author/william-lebaron) : Jun 4, 2020 12:00:00 AM Interested in seeing where the hot spots are in mortgage originations? Here are some interesting stats that we are seeing in the data right now. [epo warning](https://blog.monitorbase.com/tag/epo-warning) [credit migration](https://blog.monitorbase.com/tag/credit-migration) [mortgage trigger](https://blog.monitorbase.com/tag/mortgage-trigger) [inquiry alerts](https://blog.monitorbase.com/tag/inquiry-alerts) [refinance](https://blog.monitorbase.com/tag/refinance) [first time home buyer](https://blog.monitorbase.com/tag/first-time-home-buyer) [weekly trends](https://blog.monitorbase.com/tag/weekly-trends) [early pay off](https://blog.monitorbase.com/tag/early-pay-off) [mortgage inquiry](https://blog.monitorbase.com/tag/mortgage-inquiry) [Read More](https://blog.monitorbase.com/mb-insider-trends-low-to-moderate-income-recession) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Louis Zitting", "url" : "https://blog.monitorbase.com/author/louis-zitting" }, "dateModified" : "2025-04-11T13:48:25.370Z", "datePublished" : "2020-04-17T06:00:00.000Z", "headline" : "MonitorBase Insider: What is the data telling us today?", "image" : [ "https://blog.monitorbase.com/hubfs/Imported_Blog_Media/trends-Apr-11-2025-01-46-29-0877-PM.jpg" ], "mainEntityOfPage" : { "@id" : "https://blog.monitorbase.com/what-is-the-data-telling-us-today", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.monitorbase.com/hubfs/download.png" }, "name" : "Mobility Market Intelligence (MMI)" } } ```