Loan Think

Some hopeful souls in Washington believe the commercial banking industry will return to originating and servicing higher-risk mortgages, but most banks are more likely to continue withdrawing from the sector.

Independent mortgage banks have been instrumental in filling the void left by banks that have retreated from the home lending market since the Great Recession.

Policymakers should not let mortgage REITs, hedge funds and other firms gain membership through captive insurance companies.

1st Alliance Lending CEO John DiIorio explains why the mortgage lender turned down a consent order with the Connecticut Department of Banking and the high cost of fighting what he sees as an overreach of regulators' enforcement power.

The banking industry has long been critical of the government-sponsored enterprise, but the system could provide valuable banking services to large swaths of the country currently lacking access to them.

There is no banking crisis, but the president’s actions are threatening to create one.

Cash-strapped lenders need to find a way to consistently fund marketing that resonates with more cultures if they really want to be able to replace lost volume by reaching underserved borrowers.

Consumers traditionally pick the lender with the best rate and the lowest payment, but in a competitive marketplace, the customer's digital mortgage experience is often the first tiebreaker.

Home prices are rising and first-time buyers now account for an increasing share of sales, factors that could lead to a surge in defaults during the next economic downturn.

Wire fraud is considered a consumer and title agent issue, but the millions of dollars it's diverting from home purchase transactions make it an issue mortgage lenders need to address, too.