Loan Think

Building off the success of policy changes in 2016, there are now even more ways for mortgage lenders to help student loan borrowers become homeowners.

Competition in other areas of consumer lending has driven both VantageScore and FICO to build credit scoring models that are more accurate and more consumer-friendly. Permitting that competition in the mortgage market can increase certainty for lenders and transparency for investors.

The Federal Housing Finance Agency's Duty to Serve program must increase manufactured housing lending in rural communities.

Technology isn't a magic bullet for success, and just doing mortgages digitally doesn't change how the business fundamentally works.

Many lenders are focusing too much time on user experience and overlooking the frustratingly inefficient mortgage process happening behind their pretty loan applications.

As lenders embrace the automated processes and data integrations of digital mortgages, they must also rethink their approach to quality control.

Banks should not point blame at the credit bureau but rather should step up and demonstrate their commitment to their customers. If you punt the problem to Equifax, it suggests you don’t really care.

Everybody say it with me, “Customer data is a liability.” And the Equifax breach shows why.

In a deregulatory environment, a rule that better enables consumers to bring class actions could lead to an explosion of litigation, which will affect product availability and pricing.

The largest generation of Americans is set to inherit over $59 trillion in assets, but the federal financial regulators are behind in hiring millennials and focusing on issues of concern to them.