Loan Think

With the return of volume and profitability to mortgage lending, it is no surprise that commercial banks are coming back to the market.

There is a real possibility of a large, nonmortgage brand coming into the industry and consolidating a disjointed loan origination process.

Commercial real estate market participants could be missing the stresses that are wearing down the foundations of growth in the small-cap segment.

It is the start of a new decade, and here are six trends that will play a critical role in reshaping the mortgage industry.

Digitization presents opportunities for lenders to streamline the mortgage process in ways that benefit them and their borrowers, but three things stand in the path to full adoption.

Whether a deal involves a minority stake or a whole company carve-out, buyers and sellers should be aware of five issues that may pose transaction risk in the mortgage market.

Banks' lowering of origination fees and loosening of underwriting standards often foreshadow a downturn.

To paint nonbanks as a source of systemic risk, particularly given the track record of commercial banks in causing the 2008 subprime mortgage fiasco, seems absurd.

Debt-to-income doesn't perfectly measure a borrower's likelihood of making timely mortgage payments, but it shouldn't be replaced as the ability-to-repay rule evolves, it should be made more flexible instead.

The California Consumer Privacy Act is here, but many mortgage lenders still don't know what that means for them.