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HW Magazine

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May 2016

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Digital disruption: How consumer demand is pushing lenders to a new normal

Do legacy lenders or tech startups have the advantage?
Saddled with legacy systems and burdened with changing regulations, the mortgage industry has been slow to adopt digitization compared to many other industries. Now, however, the industry must provide more transparency to regulators and satisfy consumers while managing tighter margins. In this perfect storm, there’s only one lifeboat — a digital process.
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Feature Stories

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Rental surge: Why more people are opting out of homeownership

Renting becomes a long-term alternative for many
Has the Great Recession launched a new era of renting versus buying that will eventually result in a nation where more people rent their homes than purchase them? Or is the increase in renters these days due to an “over-correction” in the market? According to the latest “State of the Nation’s Housing” report from Harvard’s Joint Center for Housing Studies, the U.S., in less than a decade, lost all its homeownership gains of the last 20 years.
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Hot Seat: Angela Cheek of Ellie Mae

Compliance Management System brings all parties together
The Ellie Mae Compliance Management System leverages Mavent, an automated compliance system which performs more than 370 federal, state and local consumer protection compliance reviews during the loan lifecycle. It also references AllRegs Online to ensure users are up-to-date and in compliance with the latest regulatory changes.
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From HW Magazine

Clear Capital mitigates risk with improved valuation quality

ClearCollateral platform builds reliable audit trail
Clear Capital has been developing, nurturing and maturing its national property dataset for over a decade. The hallmark of its data collection is the employment of a diversity of data sources, including real-time MLS, public records and historical valuation reports.
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From HW Magazine

Genworth helps manage mortgage risk for customers

Uses big data and cloud computing for deeper insights
By raising the bar on technology and advancing in-house underwriting capabilities, the company has strengthened its underwriting service levels. Underwriting decisions are now faster and more accurate because they are based on validated data stemming from advancements in corresponding risk management technologies.
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National MI sets a leading pace for the industry

Provides innovative products, pricing and coverage terms
National MI has created a structure built on transparency, which assures lenders that valid claims will be handled with forthrightness and respect, rather than the evasiveness sometimes seen during the financial crisis. National MI has helped reshape industry standards with its outstanding customer service and strategic pricing, benefiting a wide range of borrowers.
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From HW Magazine

Ten-X Homes platform offers non-auction home sales online

Institutional and individual investors can sell move-in-ready homes
Investors can choose to use an online auction process, or the new non-auction transaction process, depending on the property and the market conditions. Ten-X Homes is dedicated exclusively to the sale of move-in ready single-family homes, so investor properties will be marketed with other high-quality, non-distressed homes.
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Commentary

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A holistic approach to gauging housing market performance

Examining deviations from the trend
Armed with an overall measure of housing market performance relative to long-term trend; an accompanying metric explaining whether that market is overheated or not; and importantly a way to attribute deviations in home prices precisely to selected market variables, market participants would be in a better position to take precautionary actions to limit their exposure in highly volatile markets.
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From HW Magazine

4 ways to overcome the bottom-line impact of regulation

Technology is the only saving grace for rising mortgage compliance costs
Origination and servicing costs are on the rise to such an extent that lenders are finding it increasingly difficult to continue on a profitable trajectory, thus leading to offloading non-profitable parts of the business. Mergers and acquisitions are on the rise. In such a difficult and dynamic time for a lender, what can they do to keep production costs low?
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