Loan Think

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.

Private flood insurance rules that go into effect this summer have a safe harbor for some policies, but determining whether others are compliant could be a time-consuming, imprecise and costly exercise.

The administration is sending conflicting signals on whether it has a plan to overhaul the housing finance system, further complicating an already complex debate.

Ginnie Mae should not overreact in supervising smaller, more diversified mortgage bankers, but rather scale its approach in line with the concentration of risk that different-sized servicers pose.

Why now? Will it work? How will their rivals respond? The megadeal between the two East Coast regionals offers up plenty of grist for speculation.

To bring millennials to the table, mortgage lenders must overcome misconceptions about the role technology plays in the way this generation buys homes.

As policymakers consider administrative reforms to Fannie and Freddie, they must address the problem of capital arbitrage to avoid overleveraging the mortgage system.