Loan Think

There's nothing like a natural disaster to make people realize how important insurance is to the banking industry.

Homebuyers may be missing out on a wide range of programs that can help them afford their purchases — programs their agents either don't know about or don't want to bother with.

The only thing more ominous than a CFPB investigation is when the FDIC and OCC join in on the action.

Fannie Mae and Freddie Mac's decisions to make their automated underwriting systems free to use will feed more data to the GSEs, but do little to better serve lenders and borrowers.

By effectively using technology to gather and verify big data, lenders can underwrite with greater precision, improve loan-level decision making and maximize the integrity of their mortgage portfolios.

In 1979, mortgage bankers worried that they could be undercut by "sleeping giants" like Merrill Lynch, Sears Roebuck and what was then called Master Charge.

Homeownership is out of reach for too many Americans. The next president could change that with a few simple policies aimed at encouraging private capital to invest in residential mortgages.

Real estate brokers deserve a slice of mortgage revenue, but marketing services agreements are not the way to give it to them.

There are many concerning aspects of the Consumer Financial Protection Bureau's methods, not the least of which include its proclivity to regulate via enforcement and its reliance on overly broad and ambiguous language to support its activities.

An organization's operations team can only effect change as far as management trusts and empowers them to.