Loan Think

The targets set by the rule pitched last month would be reduced from recent performance levels for non-minority low-income census tracts, reducing the incentive for the GSEs to purchase mortgages for families in these areas, writes a former principal economist from the Federal Housing Finance Agency.

The biggest issues facing the mortgage industry involve public policy and all of them feature a political narrative that is ill-informed and largely at odds with market realities, Whalen writes.

Lenders and servicers must ask three essential questions of their technology provider in order to better understand how they operate, writes the director of U.S. operations for Paradatec.

As millennials and Gen Z position themselves to obtain 25 million new households by 2028, appealing to these tech-savvy generations should be a top priority for retail lenders, writes the director of technology alliances at Total Expert.

Protecting consumers from cyberthreats and monetary loss should be paramount for every lender and title company. Here's how to get there with minimal fuss.

In assuming that credit unions have the same risk profile as nonbank lenders, the mortgage insurer is now threatening to exclude nearly a quarter of them from being qualified issuers of the securities it backs, writes the Senior Director Of Advocacy and Counsel at the Credit Union National Association.

In the midst of ongoing discussions on how to better leverage analytics and digitize the home inspection process, there are some clear actions that we can take to reduce bias in the mortgage industry, writes the executive vice president of corporate strategy at Clear Capital.

Ensuring the safety and soundness of Fannie Mae, Freddie Mac and the Federal Home Loan banks is the core responsibility of the Federal Housing Finance Agency. That shouldn't change now that the president has the authority to fire the FHFA's director at will.

Regulators should create a simple liquidity formula that allows the secondary market to function rather than using depository rules as a model, writes the head of Whalen Global Advisors.

The more challenging operating environment for lenders means that expense management is coming back into vogue, writes Whalen.