Loan Think

Despite headwinds working against the mortgage insurance industry, this business could be the catalyst for bringing private capital back to the mortgage market.

The Federal Housing Administration should look to private mortgage insurance companies as a model for how to standardize the claim review process.

It's time to move past the fear that digital mortgages will make loan officers obsolete.

The impressive loan growth in the second quarter is surprising in an economy that grew by 1.2% in the second quarter and by only 0.8% in the first quarter.

Enforcement actions by the Consumer Financial Protection Bureau against companies are well-known, but compliance starts with individuals.

The emergence of lenders that have no real connection to a geographic area prompts questions over how the Community Reinvestment Act’s “good neighbor” policy can continue.

The biggest change in banking in the last 60 years is the shift in balance sheets from business lending to real estate finance and therefore more risk tied to volatile real estate prices.

When the limits on two of Bill Johnson's credit cards were lowered from $20,000 to $6,000, his outstanding balances jumped from a perfectly acceptable 20% to a dangerously high 66%.

Returning Fannie Mae and Freddie Mac to their status as privately owned public utilities is consistent with their mandate and makes the most policy sense.

Regulators' recent warnings on emerging risks with commercial real estate indicate banks have reverted to CRE practices that got them in hot water once before.