The Lede

Housing Wire, Oct. 21, 2015--Garrison, TreyMortgage applications increased 11.8% from one week earlier, according to data from the Mortgage Bankers Association's Weekly Mortgage Applications Survey for the week ending Oct. 16, 2015.

Philadelphia Inquirer, Oct. 21, 2015--DiStefano, JosephTop Federal Reserve officials are "fractured" by their "growing split" on what to do about U.S. interest-rate targets, with most regional Feds joining as hawks who seek to boost the cost of money against cheap-money advocates in Wall Street and Washington, a former Fed research economist said.

CNBC, Oct. 21, 2015--Insana, Ron Most of us have trouble conceptualizing negative numbers when we first face them in middle school. But in the adult world, negative numbers are becoming an increasingly normal part of the equation when it comes to interest rates.

Bloomberg, Oct. 21, 2015The Bank of Canada kept its key interest rate unchanged and said falling energy investment will hobble the economic recovery through next year.

Charlotte Observer, Oct. 21, 2015--Roberts, DeonWells Fargo said Wednesday it is laying off 132 employees in the Charlotte metropolitan area, the latest example of the lender cutting its mortgage operation.

Huffington Post, Oct. 21, 2015--Susman, AronWhether you see the rapid growth of tech startups as a boom or a bubble, tech activity is higher than it's been since 2000 and has impacted the economies and landscapes of cities around the world. Here are four ways that tech companies are affecting NYC's real estate landscape.

Mortgage Orb, Oct. 21, 2015--Barnard, Patrick I just returned from the Mortgage Bankers Association's 2015 Annual Convention and Expo held in San Diego and I must say this year's conference was the best of the three I've attended.

HousingWire, Oct. 21, 2015--Lane, Ben Over the last 18 months, the federal government and the enterprises that it sponsors have taken several significant steps in an effort to open up the credit box and ensure more lending is done to more people. Now, a new report from Ellie Mae suggests that those efforts may finally be taking hold.

HousingWire, Oct. 21, 2015--Bell, Michael; Liss, Elliot The run up to the Oct. 3 "live" date for TRID could be a case study in client-vendor relations in the mortgage industry.

Mortgage Orb, Oct. 22, 2015--Barnard, Patrick In a speech during the Mortgage Bankers Association's 2015 Annual Convention and Expo in San Diego, Consumer Financial Protection Bureau Director Richard Cordray said regulators should perhaps be paying more attention to the impact vendor errors can have on lender's ability to comply with new regulations.

MISMO seeks qualified nominations for its Standards Governance Committees for two-year terms beginning in January. The nominations deadline is Friday, Oct. 30.