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  • Ocwen2.79-0.01 -0.36%
  • Zillow38.64-0.35 -0.90%
  • Trulia47+0 +0%
  • NationStar16.81+0.07 +0.42%
  • CoreLogic44.80-0.19 -0.42%
  • RE/MAX58.55-0.35 -0.59%
  • Fannie Mae2.78-0.02 -0.71%
  • Freddie Mac2.69-0.01 -0.37%
  • Wells Fargo51.68-0.12 -0.23%
  • CitiMortgage66.58-0.02 -0.03%
  • Bank of America23.62-0.02 -0.08%
  • Fidelity National Financial47.35-0.23 -0.48%
  • First American48.15-0.22 -0.45%
  • Black Knight Financial Services41.65+0.15 +0.36%
  • AUDUSD=X0.7926+0.0039 +0.4932%
  • USDJPY=X109.1400-0.3050 -0.2787%
Home | Tag Archives: Originations

Tag Archives: Originations

Supreme Court: Secondary Markets Not Subject to FDCPA Regulations

On Monday, a unanimous Supreme Court decision could have vast implications for the mortgage and loan industry, particularly the secondary market, unless the Fair Debt Collection Practices Act is amended by Congress. The petitioners brought their case in front of the Supreme Court in an appeal of the 4th Circuit Court ruling in favor of the respondent. Justice Neil Gorsuch delivered his first opinion since his conferral to the Court.

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Freddie Mac Predicts Drop in Sales Over 2016

According to a recent outlook report from Freddie Mac, total U.S. home sales will come in slightly under 2016’s numbers. This is due to a drop in refinancing activity, rising interest rates, and declining affordability. The outlook predicts originations will drop more than 25 percent in 2017.

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As Banking Industry Improves, Risk Increases

As the United States economy continues to improve, the challenges facing the banking industry gradually shift from recovery to risk management in an effort to avoid the pitfalls that contributed to the financial crisis. In that spirit, the Office of the Comptroller of Currency released its Semiannual Risk Perspective of Spring 2014, offering an overview on the current health of the market and highlighting the significant risk related challenges that currently that face the banking industry.

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Mortgage Delinquency Rate Continues to Drop

The mortgage delinquency rate declined to 3.61 percent at the end of the first quarter of 2014, according to TransUnion's latest mortgage report. Overall, the mortgage delinquency rate has dropped 24 percent in the last year, and has experienced nine consecutive quarters of decline.

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Were Mortgages Lost from Tight Credit Restrictions?

A study by the Urban Institute calls for "expanding the credit box" in order to promote not only a housing recovery, but an overall economic recovery. The report estimated, "1.22 million fewer purchase mortgages were made in 2012 than would have been the case had credit availability remained at 2001 levels."

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