Loan Think

The Senate GSE reform bill may bloat the bureaucracy, encourage risky behavior and expose taxpayers to losses, without sufficient support for affordable housing. That could still be better than nothing.

The proposed Small Lender Mutual cooperative would be expensive for small firms to capitalize, and its securities may get inferior pricing compared to those issued by large banks and nonbanks.

While there are compliant ways to institute these plans, many employers make the mistake of having several "buckets" that vary by a few basis points.

Last week, I was particularly gratified by the number of people who not only read my commentary regarding why the closing table is so critical to driving conversion, but actually provided specific examples of how it's impacted their business.

There are things mortgage originators can learn from the pop singer regarding how to market your company and yourself.

Lenders and Realtors are hailing a new law that delays flood insurance premium increases, but unless the government takes actuarially prudent measures, rising sea levels could cost taxpayers dearly.

The OCC reports that $30 billion in HELOCs will reach the end of their initial draw period in 2014. That’s just the beginning.

Done right, the mini-correspondent channel is a legitimate way to create mortgage servicing rights, but the annals of the mortgage industry are filled with solid ideas that went terribly wrong.

The Consumer Financial Protection Bureau has invited consumers to complain about getting a mortgage and it is getting plenty of responses.

The rock and hard place between which lenders have found themselves in regard to the use of hiring screens and disparate impact (in hiring) just got a bit softer.