Loan Think

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.

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

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.

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.

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.

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

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.

Mortgage brokers need to consider bringing their business into new locations to overcome limitations like competition and a finite number of possible customers.

Technologies like Siri and Alexa will only make mortgage production more efficient if users communicate with them precisely and securely.

A patchwork of state laws makes it tough for lenders to adopt electronic notarization, but they'll need to if they want to make a fully digital mortgage a reality.