Loan Think

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.

An internal agency analysis says changing the name of the bureau to the BCFP, as Mulvaney wants, could cost banks, credit unions and mortgage firms $300 million. It doesn’t have to be this way.

Investing in community partnerships can feel counterintuitive at a time when most mortgage lenders are cutting costs, but it can pay off by attracting a key homebuyer demographic.

The Trump administration should consider putting much of the subsidized mortgage lending done by the federal government under the government-sponsored enterprises to improve efficiency and transparency.

The Federal Housing Administration's life-of-loan premium discourages borrowers from refinancing into another FHA mortgage, damaging the stability of the insurance fund.

Texas is expected to be the tipping point in online closing adoption, and title companies predict that e-closings will soon be standard operating procedure.

Growing home prices plus rising interest rates are putting a damper on mortgage lending, which pushes the market to seek out less qualified borrowers and increases the risk of fraud.

A new analysis of mortgage data demonstrates how default rates, not just approval and decline rates, can be used to evaluate findings of unfair treatment in lending.

Exploration and adoption of new technologies is essential for achieving strategic goals and satisfying the needs and expectations of mortgage borrowers.