Loan Think

A new analysis of mortgage data demonstrates how default rates, not just approval and decline rates, can be used to evaluate findings of unfair treatment in lending.

Exploration and adoption of new technologies is essential for achieving strategic goals and satisfying the needs and expectations of mortgage borrowers.

Retiring baby boomers will intensify the affordable housing shortage unless public officials find a way to add significantly more low-cost homes to the market.

One report found that 95% of homebuyers searched websites before buying a home, and that number jumps to 99% among millennials. In short, almost everyone starts shopping online, and a vast majority are going to Zillow.

Advocates are seeking more federal funding for affordable housing. A federal investigation into the banks’ alleged manipulation of a popular tax-credit program can’t be helping their cause.

A former Federal Home Loan bank president argues that the system should limit its exposure to risky nonbanks.

The federal conservatorship of Fannie Mae and Freddie Mac was never supposed to be permanent. Leaving the situation unresolved keeps the agencies undercapitalized and taxpayers exposed to their risk.

Comptroller of the Currency Joseph Otting writes that the Community Reinvestment Act has not kept pace with changes in banking and needs to be updated.

Banks aren’t the only ones that need to keep pace with digital innovation — government agencies must also work to stay relevant.

Conservatives will continue to fight for the kinds of reforms embodied in the Choice Act for decades to come, and history suggests they will likely win out.