Loan Think

The banking industry has long been critical of the government-sponsored enterprise, but the system could provide valuable banking services to large swaths of the country currently lacking access to them.

There is no banking crisis, but the president’s actions are threatening to create one.

Cash-strapped lenders need to find a way to consistently fund marketing that resonates with more cultures if they really want to be able to replace lost volume by reaching underserved borrowers.

Consumers traditionally pick the lender with the best rate and the lowest payment, but in a competitive marketplace, the customer's digital mortgage experience is often the first tiebreaker.

Home prices are rising and first-time buyers now account for an increasing share of sales, factors that could lead to a surge in defaults during the next economic downturn.

Wire fraud is considered a consumer and title agent issue, but the millions of dollars it's diverting from home purchase transactions make it an issue mortgage lenders need to address, too.

An internal agency analysis says changing the name of the bureau to the BCFP, as Mulvaney wants, could cost banks, credit unions and mortgage firms $300 million. It doesn’t have to be this way.

Investing in community partnerships can feel counterintuitive at a time when most mortgage lenders are cutting costs, but it can pay off by attracting a key homebuyer demographic.

The Trump administration should consider putting much of the subsidized mortgage lending done by the federal government under the government-sponsored enterprises to improve efficiency and transparency.

The Federal Housing Administration's life-of-loan premium discourages borrowers from refinancing into another FHA mortgage, damaging the stability of the insurance fund.