Loan Think

Using a few simple best practices, lenders can ace their CRA exams, beat out competitors, avoid costly penalties, and uncover unexpected business growth opportunities, the CEO of iEmergent says.

With the landmark Supreme Court decision overturning Chevron USA v. National Resources Defense Council, much of the rule making by the Federal Reserve Board, the SEC, HUD and other agencies is now open to attack, writes the Chairman of Whalen Global Advisors.

Through the proposal, the risk function at Ginnie Mae is telling issuers to change their business model or exit the industry, writes the Chairman of Whalen Global Advisors.

As the mortgage industry continues to navigate the market, we must increase the due diligence of all candidates, writes

Despite a recent warning about an uptick in prepays, FHA seems to be leaning in the direction of adopting changes that will increase them, writes the chairman of Whalen Global Advisors.

Some of the points in last week's Financial Stability Oversight Council report on mortgage servicing overstate potential risk posed by IMBs, writes the Executive Director of the Community Home Lenders of America.

The Federal Open Market Committee thinks that confusing everyone completely is good for confidence, that intangible but entirely necessary ingredient for financial stability, writes the Chairman of Whalen Global Advisors.

Though written before the internet era, the book about working at Salomon Brothers in the 1980s that launched Michael Lewis' writing career still holds important lessons about the true costs of success.

Banks and other private lenders could help ease the liquidity crisis facing some companies that service Ginnie Mae mortgages, but are currently prevented from doing so by the agency's rules. A simple fix would benefit everyone involved.

By imposing this designation, the Federal Housing Finance Agency and the Biden Administration will only drive more industry consolidation and increase systemic risk writes the Chairman of Whalen Global Advisors writes.