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    Goodbye refi: Rising interest rates all but erase refinance demand

    InvestmentsLendingServicing

    Purchase loans now make up nearly 75% of all mortgages

    While mortgage interest rates dipped ever so slightly in the last week, they’ve been trending up for the majority of this year. And it appears that the consistent rise in interest rates this year has all but dried up refinance demand. Is it time to say goodbye to refis for a while? It certainly looks that way.
  • InvestmentsLendingServicing

    Purchase loans now make up nearly 75% of all mortgages

    While mortgage interest rates dipped ever so slightly in the last week, they’ve been trending up for the majority of this year. And it appears that the consistent rise in interest rates this year has all but dried up refinance demand. Is it time to say goodbye to refis for a while? It certainly looks that way.
  • Messydesk
    Lending

    A little less regulation from the CFPB, a little more action from the states

    Why decreases in federal oversight brings more regulations

    More and more, state regulators are stepping up to fill the void left by the Consumer Financial Protection Bureau. Because of this phenomenon, deregulation at the federal level could actually be creating new (and more complex) compliance challenges, especially for nonbank lenders and servicers that must be licensed in all 51 jurisdictions.
  • Housetechnology
    LendingTechnology

    Building a MarTech stack for the digital transformation era

    What lenders really want

    The mortgage industry is racing to catch up to consumer expectations around online commerce – and marketing technology is taking center stage. But at the core, loan officers don't actually want technology; they want what technology – your marketing tech stack – can do for them.
  • Congress
    Lending

    Senate Banking Committee announces new date for CFPB director vote

    Kraninger nomination vote rescheduled for end of August

    After initially postponing its vote on the future director of the Consumer Financial Protection Bureau, the Senate Committee on Banking, Housing and Urban Affairs announced it has rescheduled the vote.
  • Adam-constantine_nt-1-1
    LendingReal Estate

    Adam Constantine, digital content strategist at Movement Mortgage, to speak at engage.marketing

    Learn how to navigate the ever-changing social media landscape

    Developing a successful social media strategy can feel like log-rolling — it takes crazy-fast footwork just to stay afloat, and if you look away for just a minute, you end up in some deep water. That’s why we’ve invited Adam Constantine, digital content strategist at Movement Mortgage, to speak on effective social marketing at engage.marketing. Adam will join Chidi Erike, marketing science lead at Facebook, for what is sure to be a lively panel in our B2C track titled: Social Selling: Building relationships through Social Media.
  • Chess-white-pawn
    Lending

    Quicken Loans accuses United Wholesale Mortgage of waging smear campaign in battle for borrowers

    Quicken CEO: "We will expose their shady schemes"

    In a recent exchange of emails with HousingWire, Quicken Loans defended its business practices, saying more than 25 C2 Financial LOs were left upset and confused by the latest development, while also accusing AIME members of trying to undermine its operations, namely United Wholesale Mortgage. Read through and judge for yourself.
  • House-money-chalkboard
    InvestmentsLendingServicing

    Fannie Mae rolling out new process to streamline mortgage insurance claims

    Unveils “MI Factor”

    The process of filing a mortgage insurance claim is about to get a lot easier thanks to with Fannie Mae, as the government-sponsored enterprise announced Wednesday that it is rolling out a new “streamlined” MI claims procedure with help from several of the largest MI providers.
  • Regtech-report-1010x600
    LendingTechnology

    [LISTEN] Regtech Report, Episode 1: How do you define regtech?

    Regtech defined with Craig Focardi, senior banking analyst at Celent

    While regtech is a relatively new concept in the mortgage industry, it has already gained a great deal of traction in other parts of banking and financial services. Craig Focardi, a senior banking analyst at Celent, talks with HousingWire about what makes regtech different from mortgage tech and how you shouldn't be afraid to make the leap into adopting new technologies.
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This month in
HousingWire magazine

Cover Story
August 2018

Women of Influence 2018

Eight years after we began recognizing women for their influential work in the expanding housing and mortgage finance ecosystem, a traditionally male-dominated field, our Women of Influence list is bigger and better than ever! This year, we honor 85 women who are making lasting achievements in each sector of the housing economy. Read on to learn more about these accomplished women and the strides they are making in their industry segments.

Feature

The Path to Equality

Jacob Gaffney
Jacob Gaffney
The financial world at large is experimenting with changing its workforce culture in ways not fathomable 10 years ago. For example, in 2011, the dress code for female workers at UBS came to light with unflattering results. In it, the Swiss bank instructed female employees on not just how to dress and how to smell, but also preached the importance for ladies to apply lotion after taking showers. Fast forward to today and fellow Swiss bank, Credit Suisse has now created an official role to boost equal opportunities and create a fair treatment environment. Has the American mortgage industry made similar progress?

Commentary

Outside the classroom

Marshall Gayden
Marshall Gayden
 Lending
The conversation around student loan debt and its economic impact on Millennials, those born from 1980 to 1998, has some questioning whether the future of the American Dream is in jeopardy. The nation’s student loan debt has soared to $1.4 trillion, surpassing credit cards in becoming the largest source of personal debt outside a mortgage.