Compliance

It was 1976, the year of the U.S. Bicentennial, the dawn of Apple Computer and supersonic commercial flight aboard the Concorde jet. The average rate for a 30-year mortgage was 8.87% and the median sales price of existing homes was $38,100. And in an apartment on Manhattan's Upper East Side, National Mortgage News was born.

If the past 40 years has revealed anything about the mortgage industry, it's that change is constant, and inevitable. From the future of Fannie and Freddie to the role technology will play in underwriting, here's a look at 10 bold predictions that will shake up the mortgage industry.

Here's a look at some of the mortgage industry's most pioneering ideas and trends that have created legacies that have outlasted the companies that established them.

From helping to create one of the first loan origination systems to setting the stage for the financial crisis, these 10 people left an indelible mark on the mortgage industry. But where are they now?

In order for the mortgage industry and its technology to evolve in the future, lenders and servicers must redefine their expectations for connectivity and demand more open integrations between the systems they use.

Depositories still dominate home lending, but nondepositories' market share is the highest it has been in at least two decades. Here's why.

Mortgage servicing has undergone a dramatic transformation in response to the housing crisis, creating an environment where a focus on the consumer will define how servicers approach their business and regulators oversee their operations.

To commemorate the 40th anniversary of National Mortgage News, we look to the future of the mortgage industry — a future that lies at the intersection of people, policy, technology and capital.

Emboldened by supportive comments from presidential hopeful Hillary Clinton, community development banks are asking regulators for more leniency in areas such as disclosure fees and Bank Secrecy Act enforcement.

The $29 billion-asset company said in a regulatory filing Thursday that the "needs to improve" rating will likely restrict its ability to make acquisitions and open branches.