Banco Popular de Puerto Rico

As debate over the future of the mortgage finance system heats up, policymakers must ensure that small banks and credit unions maintain equitable access to the secondary market.

Servicers that fail to give borrowers access to digital collection methods are missing out on a chance to improve delinquency rates and lower costs.

The government-sponsored enterprises have continued to expand over the past decade, despite being in conservatorship. New leadership at the FHFA should reverse this trend.

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

The current debate around changes to the Community Reinvestment Act should include discussions about how the law can be used to better support low-income communities in remote areas.

Controlling classes of investors in commercial mortgage-backed securitizations can replace a special servicer, but before they do, they should make sure the long and potentially expensive process is worth it.

Learning to understand the risk rather than adding steps to the mortgage application process is the way to mitigate fraud.

Mortgage lenders have invested heavily in various digital tools that improve the consumer experience, but what they really need to focus on is artificial intelligence that will improve data quality.

Millennials act differently than prior generations, including moving to second-tier markets to buy a home, and that is the opening for community lenders to reach this market.

Historically, rising interest rates have enabled banks to earn more, but this time around in the banking industry, like much else, things are a little different.