Loan Think

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.

Years after the crisis, fundamental problems in default servicing still exist and in order to move forward, servicers must reimagine their processes to better manage overall volume and spikes in demand.

Regardless of recent activity, marketing services agreements can be legal if lenders find the proper formula to follow.

The Department of Housing and Urban Development found recently that a Federal Housing Administration down payment assistance program translated to higher mortgage rates for borrowers.

Regulators have given the merger between CIT Group and OneWest Bank the green light — so long as CIT comes up with a revised Community Reinvestment Act plan. This condition is good news for the low-income communities impacted by the merger and sets a strong precedent for regulators' review of future bank deals.