Mark Fogarty

Mortgage executives who have long decried new regulations as excessive are increasingly becoming resigned to the fact that changes are here to stay.

Recently released HMDA data strongly suggest that the reason minority homeownership rates are falling since the beginning of the recession isn't because minorities are opting out of the mortgage process, but because they're being excluded.

Housing and Urban Development Secretary Julian Castro challenged lenders to make more mortgages, saying the credit pendulum has swung too far on the side of caution.

If they take control of the Senate next year, GOP leaders may want to show they can get legislative results ahead of the 2016 Presidential election.

Attendees who get to the Mortgage Bankers Association's annual conference in Vegas a little early can take a day trip to view of some amazing natural (and man-made) landmarks.

It's not been a stellar year for mortgage lending, with national origination volumes expected to end 2014 down by one-third or more.

Careful underwriting can take away much of the risk of this supposedly risky type of mortgage lending and contribute to profitable new business.

Pessimism prevails at this year’s New England Mortgage Bankers Conference.

The Community Development Financial Institutions Fund awards millions in affordable housing initiatives every year, but goes largely unnoticed compared to other federal housing programs.

The 2014 Mortgage Technology Awards are 15 years in the making and continue a long tradition of honoring the best and brightest industry innovators.

Thirteen years after the Sept. 11 attacks, the new One World Trade Center is poised to open soon, bringing back memories of a horrific day and hope for a future in which things carry on.

Foreign-born nationals with U.S. citizenship have a lot of positive attributes that make them attractive mortgage applicants. What's even better is that millions are still renters.

Three families from a small American Indian reservation in New Mexico overcame a good many obstacles to take advantage of a USDA program that rewards sweat equity with financing to build new homes.

A mortgage industry laden with government enticements has no choice but to honor a duty to serve its benefactor's affordable housing goals, claim the contributing authors of a new book.

Mortgage Bankers Association chairman David Stevens picked the perfect locale for his latest message about the diversity challenges lenders are going to be facing over the next 10 years.

Though there is still a year for mortgage lenders to get in compliance with the Consumer Financial Protection Bureau's document changes, the perils of missing that deadline are considerable.

Selling loans into the secondary market was a good strategy for housing finance agencies when rates were falling, but now they are said to be heading back to traditional bond financings to boost their balance sheets.

Another roundup of comments on our Editor at Large blog, from the best and brightest to the funniest.

The CFPB and other regulators are showing an increasing appetite for big data. The HMDA database may be the biggest in the mortgage business and a preview of the upcoming dataset may give lenders a chance to stay one step ahead of the feds.

Mentoring the newbies in the mortgage business may help them avoid boom-and-bust errors later in their careers. And it can be a personally satisfying thing to do as well.