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Lower rates during the period helped independent mortgage bankers make money on their originations but they posted losses on servicing.

John Toman is co-founder and chief product officer of Pivot Payables, a fintech company delivering corporate financial operations solutions. With a history of developing accounts payable automation and business to business payment solutions, Toman is a pioneer in applying AI, blockchain and virtual credit cards to improve financial operations. He writes about all things AP in his blog, "The Payables Guy."

In a speech, Federal Reserve Gov. Adriana Kugler said sound monetary policy comes when electoral politics are kept out of central banking.

Austin Aten, ACAS, is head of cyber pricing at Coalition, where he leads the actuarial pricing team and is responsible for designing and optimizing data-driven pricing strategies and models. Collaborating closely with Coalition's in-house, industry-leading security experts, Austin and his team have successfully crafted comprehensive cyber pricing solutions, ensuring continued effectiveness in today's ever-changing risk landscape. Before joining Coalition, Austin worked at Great American Insurance Group within the Corporate Actuarial Division. Austin has spent over 10 years in the P&C insurance industry. He graduated from the University of Cincinnati with a bachelor's degree in mathematics, statistics, and actuarial sciences.

The incoming Trump administration is expected to prioritize an activities-based oversight approach to nonbank entities, just as the Biden administration has. It may also leave its designation power intact, but unused.

Freedom Mortgage CEO Stan Middleman weighs in on the Fed, servicing policy, and broker-to-banker moves as he comments on challenging career experiences in his new biography.

New Mexico is the state least wanting to refinance, with 369.38 keyword searches per 100,000 people.

A Pennsylvania federal judge ruled that HUD's handbook allowed, but did not require servicers to offer partial claim workarounds in tandem with funds from HAF.

The study found nonbank lenders charging the highest interest rates and most points, and fintech pricing more in-line with depositories.

Matt Darula is head of product and digital offerings for Guardian Life Insurance's employee benefits business, responsible for the design, development, and deployment of new offerings, inclusive of traditional insurance products, well-being programs, and digital capabilities.