The Lede

Washington Post, Nov. 19, 2015--Orton, Kathy After two big jumps the past two weeks, fixed mortgage rates paused to catch their breath this week, according to the latest data released Thursday by Freddie Mac.

Bloomberg, Nov. 19, 2015--Boesler, Matthew Accelerating increases in auto loan debt and mortgage credit helped propel total borrowings of U.S. households to the highest level in more than five years, the Federal Reserve Bank of New York said Thursday.

Wall Street Journal, Nov. 19, 2015--Morath, Eric Newly formed businesses are adding jobs at a much slower pace than a decade ago, a factor that's containing employment gains even six years into the expansion.

National Mortgage News, Nov. 19, 2015--Kilgore, Austin From single-point-of-contact requirements to the need for better self-service options, servicers surveyed by National Mortgage News are taking a much-needed hard look at the full range of customer touch-points that they operate.

National Mortgage News, Nov. 19, 2015--Bisbey, Allison Fannie Mae transferred the credit risk on a $12 billion pool of mortgages to reinsurers.

National Mortgage News, Nov. 19, 2015--Clozel, Lalita Credit scores on closed loans reached five consecutive months of decline in October, according to Ellie Mae.

HousingWire, Nov. 19, 2015--Lane, Ben NewDay Financial, already punished this year by the Consumer Financial Protection Bureau for its business practices and by the Multi-State Mortgage Committee for widespread cheating on licensing exams, is now completely banned from lending in New York due to that same cheating on licensing exams.

Reuters, Nov. 19, 2015--Schneider, Howard The U.S. Federal Reserve may be heading for a "slow ... halting" effort to raise interest rates after it begins its first tightening cycle in about a decade, Atlanta Fed President Dennis Lockhart said on Thursday.

24/7 Wall Street, Nov. 19, 2015--Ogg, John C. The Federal Reserve Bank of Philadelphia reported that manufacturing conditions in its regional district showed slight improvement in its monthly survey for November.

Mortgage Professional America, Nov. 19, 2015--Chiglinsky, Katherine ; Scully, Matt Voya Financial Inc.'s Christine Hurtsellers said she's staying away from new issues of commercial mortgage-backed securities, echoing concerns from Federal Reserve officials and bond graders about loosening underwriting standards in the market.

Registration is now open for the MISMO Winter Summit, taking place Jan. 11-15 in Tampa, Fla.  

Do you know where you stand? The Mortgage Bankers Association's Performance Reports can tell you.

MBA Education now offers the Chartered Realty Investor (CRI) designation to eligible applicants.