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DIY automation isn’t always a win: What mortgage lenders need to know

Contributors, HWmember, Mortgage, Opinion, Origination, Technology /

DIY automation pitfalls/myths: It’s time to rethink your strategy In today’s mortgage industry, nearly every organization is battling inefficiencies caused by manual processes. Whether it’s a loan officer pulling data from one system to enter it into another, or underwriting teams relying on endless email threads and spreadsheets, the day-to-day operations behind most lending workflows […]

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Trump’s GSE exit pursuit is complicated (and could be costly)

Department of the Treasury, Donald Trump, Fannie Mae, Freddie Mac, GSE Reform, HWmember, Keefe, Bruyette & Woods, Mortgage, Regulatory, Trump administration /

President Donald Trump’s bombshell Truth Social post on Wednesday night sent the stock prices of Fannie Mae and Freddie Mac soaring. But removing the government-sponsored enterprises (GSEs) from conservatorship after 16-plus years would be a complicated endeavor. And if they’re not removed carefully, costs for borrowers could spike. Trump’s announcement that he’s considering a public

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Legacy Group Capital secures $180M from LibreMax Capital

Capital Funding, HWmember, Investors, Mortgage, Partnerships, Secondary market /

Legacy Group Capital on Thursday announced its first institutional capital partnership with LibreMax Capital LLC, an $11.8 billion asset management firm that specializes in securitized products and asset-backed finance. The deal involves an 18-month revolving period during which principal payoffs can be reinvested to originate new loans, creating a projected $400 million in additional funding

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Bringing origination and servicing together with AI 

Artificial Intelligence, Contributors, HWmember, Mortgage, Opinion, Origination, Servicing /

The mortgage industry has undergone significant changes over the past few decades. One of the most notable has been the separation of origination from servicing. This decoupling was initially driven by the desire for greater efficiency, specialization and the need to respond to growing regulatory and market pressures. However, recent technological advances, especially in artificial

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Trump says he’s giving “serious consideration” to releasing Fannie Mae, Freddie Mac

Bill Pulte, Conservatorship, Donald Trump, FHFA, GSE Reform, GSEs, HWmember, Mortgage, Politics, Regulatory /

Two days after Federal Housing Finance Agency (FHFA) Director Bill Pulte said any decision over Fannie Mae and Freddie Mac exiting government conservatorship would be up to President Trump and Trump alone, the president has weighed in. In a message posted on Truth Social Wednesday night, Trump said “I am giving serious consideration to bringing

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Extreme weather and high insurance costs pose foreclosure risk

Climate Change, Flood insurance, Foreclosure, Homeowners insurance, Housing Market, Hurricane, HWmember, Mortgage, Origination /

The rising cost of homeowners’ insurance coupled with the rising regularity of weather-related natural disasters is serving to erode the longstanding barrier between mortgage lenders and loan losses, according to a new report published by First Street. As the frequency of disasters has risen — destabilizing the insurance market, limiting coverage and raising consumers’ costs

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Mortgage lenders lag on compliance as tech evolves rapidly

Artificial Intelligence, Compliance, Cybersecurity, HWmember, Mortgage, Technology /

Amid a surge in AI adoption and mounting cybersecurity threats, only 51% of nonbank mortgage lenders say they feel fully prepared to handle compliance risk — a warning sign in an industry that’s undergoing rapid digital transformation. That’s according to a new joint study from HFS Research and Cognizant. “Reinventing Non-Bank Mortgage Lending Journey in the Age of

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The driving forces behind mortgage lenders moving away from third-party processors

Contributors, HWmember, Mortgage, Mortgage Rates, Opinion, Origination /

Mortgage lenders and services today face significant operational challenges, especially when relying on third-party processors for their outsourced services. While these middlemen operators can streamline certain tasks, the benefits are outweighed by their extreme high costs as well as the limitations over operational controls. Here we will focus on the complexities involved with outsourcing, and

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Competition for HELOC business heats up as home equity grows

HELOCs, Home Equity, HWmember, LendingLife, Mortgage, Mortgage Bankers Association, Mortgage Rates, Origination /

John Toohig stood at a podium as the moderator of a panel about home equity lines of credit (HELOCs) and asked an illustrative question of the audience of mortgage professionals. “How many of you have a mortgage first lien, 30-year with a 4% coupon or lower?” A majority raised their hands. “You are all the

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Kind Lending appoints new SVP to drive retail sales in the West

HWmember, Mortgage, People Movers, Retail Lending /

Kind Lending today announced the appointment of Geri Farr as its senior vice president of West retail sales. Farr, who has over a decade of leadership in the mortgage industry, will focus on helping the company grow its expansion across the West and is tasked with strengthening teams and driving performance across the region. According

Kind Lending appoints new SVP to drive retail sales in the West Read More »

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