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Non-QM, Seconds, Warehouse, Efficiency Products; Primer on CRAs, Bureaus, and Data Analytics

“A fine is a tax for doing wrong. A tax is a fine for doing well.” April 15th is in a week, the traditional date when taxes are due. Time flies. Do you realize that we have seven more months until the election? Seven more months of headlines and gaffes, posturing, missteps, and election trivia (like no Republican has been elected to the White House by a majority of Americans since 1988). I’m glad residential lending continues to motor along, albeit at a very moderate pace. Politics can determine the regulatory environment, and this Wednesday’s L1 “Mortgage Matters: The Weekly Roundup at 11AM PT has Kathy Kraninger, former director of the CFPB from 2018 to 2021, now CEO of the Florida Bankers Association. (Found here after 8:30AM ET, this week’s podcasts are sponsored by PHH Mortgage. From subservicing to correspondent lending, MSR/co-issue transactions, portfolio retention, reverse mortgages, and commercial servicing, PHH has solutions for the entire mortgage lifecycle. Hear an interview with Figure Technology Solutions Jackie Frommer on disrupting the industry by leveraging proprietary technology and a deep partnership network.) Lender and Broker Products, Software, and Services A few hours from now, for the first time in nearly seven years, a total solar eclipse will cross the continental United States. Though the time between eclipses varies (it’ll be 2044 before the next one visits the contiguous 48 states) science assures us the choreography of our sun and moon is both cyclical and predictable. If only mortgage interest rates were as reliable! This week on Dark Matter Technologies’ ‘The Spotlight’ podcast, The Mortgage Collaborative President Melissa Langdale shares highlights from her co-op’s recent conference, including ways lenders are leveraging technology to make their processes and workforces more adaptable to our cyclical (but often unpredictable) market. Take 20 minutes and listen to the episode today!

Iran , Israel , Florida , United-states , Montana , White-house , District-of-columbia , Michigan , New-york , American , Americans , Carl-wooloff

Comings And Goings At AmeriHome

Comings And Goings At AmeriHome
nationalmortgageprofessional.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from nationalmortgageprofessional.com Daily Mail and Mail on Sunday newspapers.

Steve-kolker , Peter-roeske , Mark-miller , Greg-mcelroy , John-hedlund , Dave-andersen , Alliance-bank , Linkedin , Amerihome-western-alliance , Operating-officer-john-hedlund , Western-alliance , Amerihome-mortgage

Hedging, Client Retention Tools; STRATMOR on the ICE 24 Event; MBA on the NAR Settlement; Dual Compensation

Hedging, Client Retention Tools; STRATMOR on the ICE 24 Event; MBA on the NAR Settlement; Dual Compensation
mortgagenewsdaily.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from mortgagenewsdaily.com Daily Mail and Mail on Sunday newspapers.

United-states , Troy-baars , Brett-mccracken , Steve-kolker , Justin-demola , Mark-miller , Keller-williams , Greg-mcelroy , Cody-archer , Matt-kovac , Dave-andersen , Mike-seminari

Coalition pens letter to Congress urging swift action against trigger leads

Coalition pens letter to Congress urging swift action against trigger leads
scotsmanguide.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from scotsmanguide.com Daily Mail and Mail on Sunday newspapers.

United-states , American , America , Jack-reed , John-rose , Ritchie-torres , Arnie-aurellano , National-consumer-law-center , Consumer-federation-of-america , National-housing-conference , House-committee-on-financial-services , Union-home-mortgage

2nd, HELOC, Automation, Homeowner Portal Products; Conforming Conventional News; STRATMOR Ops Workshop

Yesterday’s Commentary had a note about Atlantic Bay’s “LinkedIn traffic picking up.” I have been assured by Atlantic Bay’s CEO that the company continues to enjoy its 27 years in business and will remain independent! I apologize for any confusion yesterday’s note caused, and the Commentary continues. The conference in New Orleans also continues, with talk of repurchases, credit &amp; verification costs skyrocketing (you’ll see it on your February 1 CRA invoice), and how servicing income “saved the bacon” of many a lender in 2023. The average elevation of New Orleans is 20 feet. Are you going to want to service, or insure, properties on the East Coast that are not only experiencing rising sea levels but also are sinking by a third of an inch a year? “Affecting more than 2 million people and 800,000 properties on the East Coast.” During a 30-year mortgage that’s “only” ten inches. (Today’s podcast can be found here and this week’s is brought to you LoanCare. LoanCare has successfully navigated clients and homeowners through market change for 40 years. The mortgage subservicer is known for delivering superior customer experience through personalization and convenience via its portfolio management tool, LoanCare Analytics™, supporting MSR investors with a focus on customer engagement, liquidity, and credit risk. Hear an interview with LoanCare’s Eric Seabrook on consumer digital and customer experience from mortgage servicers.) Lender and Broker Services, and Software

United-states , Philadelphia , Pennsylvania , Japan , America , Peter-sandler , Freddie-mac , Loancare-eric-seabrook , National-production-john-wise , Home-loan-bank , Broker-services , Community-financial-institutions

Has your banking partner come of age?

Warehouse lending has evolved beyond traditional boundaries. The lending landscape has expanded to encompass diverse asset classes.

David-bernard , Part-of-western-alliance-bank , Specialized-mortgage-services , Alliance-bank , Specialized-mortgage-services-at-western-alliance-bank , Western-alliance-bank , Amerihome-mortgage ,

TPO, Anti-Valuation Bias Tools; Retail and Broker News; Interview on Home Equity Levels

“What do you call a Christmas wreath made out of $100 bills? Aretha Franklins.” It’s cutting-edge humor like this that keeps readers coming back for more, right? Or astronomy tips, as today is the Winter Solstice, with the least amount of sunlight in the Northern Hemisphere and a little music to go along with it. “The winter is here again, oh Lord. Haven't been home in a year or more.” (Look at that hair!) Lenders and vendors are hoping that the decline in rates keeps the “winter” away from lending, and holds more salary cuts, layoffs, and furloughs at bay. Mortgage banking is not alone in expanding automation and trying to save money. Do you think that you deserve a lower price for checking out of a store yourself and not using a paid clerk? Many do. The number of people who work as cashiers dropped from 1.4 million in 2019 to 1.2 million today, and over the next decade the BLS projects an additional 10 percent decline. (Today’s podcast can be found here, and this week’s is sponsored by Lender Toolkit’s AI-powered AI Underwriter and Prism borrower income automation tools. Get loans approved in under two minutes. By providing lightning-fast underwriting decisions, your market reputation with borrowers and Realtors will soar. Listen to an interview with Hometap’s Dan Burnett on record home equity levels and how Americans can best leverage them.) Lender and Broker Products, Programs, and Services “With increased regulatory focus on property-valuation bias, lenders need robust risk-management processes in place. The recently released interagency proposals on AVM-quality control and ROV-process guidance are designed to prevent valuation bias and help ensure industry stakeholders follow fair-lending practices. Watch our complimentary on-demand webinar to learn how you can prepare, and implement the tools needed to support the proposed changes.* Our experts discuss how to identify potential bias in valuations, ways to mitigate bias risk, how to monitor AVM and appraisal compliance with fair-lending requirements, and more. Watch this timely and important webinar here. *Check with your compliance or legal department for information on complying with applicable law.”

Red-sea , Djibouti-general- , Djibouti , United-states , Tennessee , United-kingdom , Philadelphia , Pennsylvania , Americans , Dave-weatherford , Sally-forster-jones , Hometap-dan-burnett

Lender Credit, HELOC, PPE, AI Tools; Wholesale and Correspondent News; Millennial Refi Interview

My cat Myrtle is enthralled with Artificial Intelligence (AI). Okay, I made that up. She’s only interested to the extent that it impacts the supply of Icelandic Sea Trout into her bowl. AI is a hot topic these days, and in fact today’s Mortgage Collaborative’s “Rundown” at noon PT, 3PM ET, features David Karandish, the CEO of Capacity, discussing that and other trends in mortgage tech. A trend continuing to rifle through the ranks is mergers and/or acquisitions as a handful of well-known residential lending companies crisscross the country in search of small institutions that fit their business models and are ready for a change. Sometimes discretion is the better part of valor in terms of staying in business: Unfortunately, yet another trend is a lack of profitability, especially among small and mid-sized lenders who have gone through their 2020/2021 savings and sold their servicing. Lastly, volume trends aren’t good either: According to Curinos, October 2023 funded mortgage volume decreased 19 percent YoY and 5 percent MoM. (Curinos sources a statistically significant data set directly from lenders to produce these benchmark figures. We drill into this data further here.) Today’s podcast can be found here, and this week is sponsored by nCino makers of the nCino Mortgage Suite. With three products tailored to the needs of the modern mortgage lender, nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics unite the people, systems, and stages of the mortgage process. Hear an interview with Millennial homebuyer Megan Sinclair on her lender choices behind her third time financing a residence.

Dallas , Texas , United-states , Chicago , Illinois , Hawaii , Philadelphia , Pennsylvania , Tom-piecenski , Jerome-powell , Taylor-stork , David-karandish

Accounting, Asset Transfer, LOS Tools; Conv. Conforming News; Encompass and MortgageCX; Mortgage Apps Continue Downward

McDonald’s taking 9 years to eliminate its self-serve soda pop machines. (Couldn’t they take 5 hours and just move the machines behind the counter?) In other non-mortgage news, arguably more interesting to talk about than the continued decline in mortgage applications and IMBs concerned about CRA requirements (STRATMOR’s current blog is titled, “Knowing CRA Developments is Critical”), remember when it was Ford, GM, and Chrysler? The third largest automaker in the world is VinFast, a Vietnamese electric vehicle manufacturer that was founded in 2017 and listed on the Nasdaq this month with a market cap of $191 billion! This is behind only Tesla ($760 billion) and Toyota ($270 billion), and well ahead of Chinese car maker BYD ($90 billion) and Volkswagen ($70 billion). VinFast, which entered the electric vehicle market last year, is planning to build a factory in North Carolina. Oh, and Ford is at $49 billion, GM $46 billion. Yes, rankings of all industries change, including mortgage originations. (Today’s podcast can be found here and this week’s is sponsored by SimpleNexus, an nCino Company, and award-winning developer of mortgage technology for modern lenders. Hear an interview with Blend’s Nima Ghamsari on how mortgage companies are taking the customer experience to the next level.) Lender and Broker Software, Products, and Services Lenders must adopt an omnichannel communication strategy to stand out in a competitive mortgage marketplace. This can be easily done if you have the right tools on your side! Through the acquisition of Black Knight, ICE now offers Surefire℠, a CRM and Mortgage Marketing Engine, that gives its users full control over every marketing and communication channel from day one. Surefire is empowering lenders with the perfect combination of automated marketing features in one affordable, single-price “Power Pack” add-on. The offering bundles Surefire Power Calls, Power Messaging and Power Videos into a plug-and-play value pack for lenders and brokers. For hands-free marketing that packs a punch from day one, look no further than Surefire PowerPack.

New-hampshire , United-states , Massachusetts , Vietnam , Republic-of , North-carolina , China , Chinese , Vietnamese , Justin-oneill , Nima-ghamsari , Freddie-mac-borrowsmart

FHFA considers giving nonbank mortgage lenders access to FHLBs: Bloomberg

The FHFA is considering giving more financial firms, including nonbank mortgage lenders, access to the network of FHLBs, Bloomberg reported.

Jim-parrott , Mark-zandi , Silicon-valley-bank , Thefederal-housing-finance-agency , Signature-bank , Bloomberg , Federal-home-loan-banks , Great-depression , First-republic-bankbefore , United-wholesale-mortgage , Rocket-mortgage , Pennymac-financial