Loan Think

The executive director of the Community Home Lenders of America games out the best-case scenario for independent mortgage banks in the year ahead.

The chairman of Whalen Global Advisors outlines the policy agenda of home lenders' dreams for the year ahead.

Internet-based banks are siphoning deposits away from urban centers in the U.S. and, unlike brick-and-mortar banks, face no requirement that they loan money back into those communities.

Too few lenders are underwriting unsecured consumer debt, which could help borrowers pay down credit card balances with little risk to lenders.

The Federal Home Loan Bank System is a crucial element of our financial infrastructure. All stakeholders should be included in discussions about reforming it.

Policymakers are all too quick to categorize IMBs as financially risky institutions; making them easy targets for stricter - and unnecessary - federal oversight and regulatory efforts, Stevens and Olson argue.

An article's handling of COVID loan forbearance for veterans is an unfortunate example of how American journalism has become compromised by progressive politics, often by ignoring or twisting the facts, writes the chairman of Whalen Global Advisors.

In light of the shift over the past few years, most companies in the space have refocused on their long-term strategy, which includes optimizing technology infrastructure and providing a superior customer experience, write leaders from SimpleNexus and nCino.

Amid the release of Q3 bank earnings, the Chairman of Whalen Global Advisors ponders whether efforts from the government-related entities help or hurt the independent mortgage bankers that are taking up a greater and greater share of 1-4 family lending and servicing.

When loan officers have a broad, problem-solving focus — bolstered by diverse services, technologies and consistent attention to detail — their pipelines grow, writes the president of Incenter Lender Services.