A 2015 survey by Garrett, McAuley found that roughly half of respondents were monitoring fair lending compliance of their pricing concessions as expected by regulators. While the mortgage market has shifted since 2015, challenges in navigating the waters of pricing concessions and fair lending persist and could present more risk than you think.
Tag: Op-Ed
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nCino’s Jay Arneja: The Top 5 eVault Myths Debunked
It’s uncertain how long it will take mortgage lenders to achieve a fully digital mortgage closing process, but recent innovations are making the path much smoother.
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Susan Graham of FICS on APIs in Mortgages: Driving Efficiency and Connectivity
The mortgage landscape has been dramatically reshaped in recent years due to the explosive growth of automation and technology. One crucial element that has emerged as the linchpin of this financial revolution is interconnection.
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Insellerate’s Josh Friend: Embracing Technological Advancements in Changing Markets
Rapidly changing market conditions and consumer behavior demand lenders reevaluate their technological strategies. Even if lenders previously explored technology solutions a year or two ago, the present moment calls for a fresh perspective and reexamination of available tools.
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Total Expert’s Joe Welu–Retention Is the Key to Winning the 2024 Refi Surge
We knew it was coming—eventually. After 11 rate hikes starting in March 2022, the Fed in December 2023 signaled its intentions to lower rates through 2024. With mortgage rates already dropping, virtually everyone that bought a home in the last 18 months will benefit from a refinancing conversation with their lender.
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FormFree’s Martin Prescher on Balancing Fairness, Innovation With AI in Mortgage Lending
While many industries have been quick to integrate AI into products and operations, the mortgage industry has approached it with caution. And that’s a good thing.
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Nexval’s Souren Sarkar: Why to Transform Engagements With Distressed Borrowers, and How
Upgrading borrower communications represents a golden opportunity for lenders to harness new business channels and technologies that can make their entire operations run more efficiently.
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BSI Financial Services’ Allen Price: How Digital-First Subservicers Are Revolutionizing Servicing
While mortgage origination has experienced massive improvements through digital technology, the same has not always been true for the servicing side of the business.
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BSI Financial Services’ Allen Price: How Digital-First Subservicers Are Revolutionizing Servicing
While mortgage origination has experienced massive improvements through digital technology, the same has not always been true for the servicing side of the business.