Loan Think

Lenders are heading into the MBA's Secondary Market Conference with stronger origination volumes and secondary market relationships than last year. But how long will these volumes last and how can the industry make the most of them?

Before Dodd-Frank, proving risk management precautions were in place was enough; now, the only real defense lenders and servicers have is an audit trail showing how violations were avoided.

The CFPB's powers to initiate enforcement actions are nearly boundless.

The goal of any load-balanced or scaled application should ultimately be to provide reliable and highly available services.

Most banks appear to be coping well with the CFPB's ability-to-repay rule for mortgages, but the burden is falling harder on community banks. A new proposal that would allow more small lenders to grant home loans to borrowers with high levels of debt could help.

In response to the guidance offered by one of our commenters recently, Freddie Mac sets the record straight about their review process.

Investor-owned ratings agencies would send a message to mutual fund shareholders, retirement plan participants and other investors that steps have been taken to avoid repeating the inaccurate ratings that contributed so heavily to the financial crisis.

To survive and thrive, community banks must follow the lead of nonbank mortgage lenders by embracing digital technology and customer convenience.

Implementing minimum requirements for appraisal management companies raise opportunities for varied and potentially inconsistent requirements state-by-state.

The silver lining of the market crash was a unique opportunity for non-legislative reform that would not have otherwise come to bear.