AOT, Warehouse, Homebuyer Report, Subservicing Tools; STRATMOR's "Who Owns the Borrower?" Population Trends

The U.S. Census Bureau released a downloadable file containing estimates of the nation’s resident population by single year of age and sex as of July 1, 2025. Nationwide lenders are always analyzing branch locations and market share. America’s post-pandemic relocation surge is losing momentum, with interstate migration falling to a decade low as once-booming Sun Belt markets like Texas and Florida face declining inflows amid sharply reduced affordability. The motivations behind moving are shifting away from jobs and cost savings toward proximity to family, signaling a more cautious and less opportunistic consumer mindset. New migration patterns are emerging: more affordable Midwest states are regaining appeal, Nevada is surging due to its relative value compared to California, and smaller or less obvious destinations like Vermont and New Hampshire are attracting highly educated, homebuying newcomers seeking stability and lifestyle. Gen Z has become the most mobile generation, driving moves based on flexibility and opportunity. (Today’s podcast can be found here and this week’s ‘casts are Sponsored by Truework. Replace costly, error-prone verification waterfalls with a single, fully automated VOIE solution that delivers faster, more accurate, GSE-ready reports. So, your team can close more loans with less effort and lower cost. Today’s has an interview with Berger Singerman's Geoffrey Lottenberg on navigating the legal implications of AI in mortgage and lending processes.)