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A $13.5 billion advance to Silicon Valley Bank months before its collapse is another sign that the Home Loan banks encourage risk-taking that can burden the Federal Deposit Insurance Corp. or even the system itself, critics say.

Meanwhile, pending home sales are down 16.1% compared to the same time last year but demand is still up from its late-October lull, according to Redfin.

Despite ending 2022 in the red, the lender and servicer saw full-year profits exceed 2021's total.

Jim Bone is General Manager at We Insure, a national insurance franchise agency that's disrupting the industry with an innovative business model focused on customer experience and exceptional agent support. The franchise offers unprecedented access to carriers and complete operational, IT, service and marketing support to its agency owners. We Insure is expanding rapidly across the U.S. with more than 300 retail locations.

Christine Muldoon is Senior Vice President of Strategy at WebMD Health Services.

Yakov Filippenko is a serial entrepreneur and founder at Intch, the social networking technology. He is on a mission to disrupt the future-of-work for tech professionals and C-level executives with AI-based user-matching algorithms. Filippenko's previous startup, SailPlay, was acquired by Retail Rocket, a retention management platform for brands.

More than half of pandemic gains have been erased, but how the mix of stronger than expected overall employment and other developments will affect rates remains uncertain.

An analysis of HMDA data from 2018 to 2020 found a correlation between age and mortgage application outcomes.

Julie Sandorf is the president of the Charles H. Revson Foundation and a board member of the Rebuild Local New Coalition.

Steven Waldman is the founder and CEO of the Rebuild Local News Coalition.