Loan Think

As the CFPB moves closer to updating its debt collection regulations, revising restrictions on phone calls and other communications with consumers must be a priority.

Recapitalizing the GSEs by cutting off returns to the government would essentially be buying the GSEs from the taxpayers with money that belongs to the taxpayers.

Having poor credit doesn't necessarily keep someone looking to become a mortgage broker from obtaining a surety bond, but it can complicate matters.

Military service members are a crucial market segment for lenders because they are younger than other demographics and a steady group of borrowers unfazed by independent economic concerns.

Historically, rising interest rates have enabled banks to earn more, but this time around in the banking industry, like much else, things are a little different.

Millennials act differently than prior generations, including moving to second-tier markets to buy a home, and that is the opening for community lenders to reach this market.

Mortgage lenders have invested heavily in various digital tools that improve the consumer experience, but what they really need to focus on is artificial intelligence that will improve data quality.

Learning to understand the risk rather than adding steps to the mortgage application process is the way to mitigate fraud.

Controlling classes of investors in commercial mortgage-backed securitizations can replace a special servicer, but before they do, they should make sure the long and potentially expensive process is worth it.

The current debate around changes to the Community Reinvestment Act should include discussions about how the law can be used to better support low-income communities in remote areas.