Mortgage Banking

Founded in 1939, Mortgage Banking Magazine is a professional trade magazine published by Mortgage Bankers Association of America. Its headquarters are located in Washington, D.C. The magazine is published monthly and serves the banking, real estate and financial markets. Janet Hewitt is the editor-in-chief.

Articles from Vol. 62, No. 11, August

2001 Production Margins Exceed Last REFI Boom. (Business Alert)
MORTGAGE INDUSTRY PRODUCTION MARGINS during the 2001 refinancing wave exceeded levels reached during the last refinancing boom in 1998, according to figures from the latest Peer Group Roundtables (PGR) conducted by MBA and The STRATMOR Group. On the...
ALLTEL's Ambitions. (Strategic Planning)
A reorganization inside ALLTEL has the banking and mortgage people plotting new products and technology innovations side by side. Customer relationship management (CRM) and cross-selling are driving a new generation of solutions that puts the consumer...
An Unusual Outlook. (Portfolio)
THE ECONOMY IS STRUGGLING TO EMERGE FROM THE SHADOW OF A DEPRESSED stock market. Yet, the housing market has not even noticed there was a downturn, much less a problem with corporate accounting. Housing has been the runaway winner in a contest stacking...
Bush Speaks on Increasing Homeownership, Martinez Holds Spanish-Language Town Hall. (Business Alert)
PRESIDENT GEORGE W. BUSH DELIVERED A speech on June 17 before Atlanta city officials and business leaders, calling on the public and private sectors to work together to increase homeownership in America. "We congratulate President Bush for his recognition...
Class-Action Claims Allowed to Proceed. (Business Alert)
ACCORDING TO THE ASSOCIATION OF Community Organizations for Reform Now (ACORN), Washington, D.C., Judge Claudia Wilken of U.S. District Court for Northern California has denied Household Finance's motion to compel arbitration in the cases of the three...
Countrywide's Housing America. (Affordable Lending)
On the 10th anniversary of a sweeping program dedicated to getting minorities and low- and moderate-income people into their own home. Countrywide has accomplished a lot. By reaching out to Hispanic, African Americans and other minorities, as well...
Dissecting Banking's Bigness: Mega-Mergers in Banking Are Being Pushed in Part by Market Forces Too Impatient to Grow New Markets and Higher Returns the Old-Fashioned Way. Is This Good, Bad, or Just a Fact of Life? (Industry Trends)
SECURITY PACIFIC NATIONAL Bank, Grocker National Bank, NationsBank, Norwest, First Interstate, Great Western Savings, Home Savings--all great banking names from the past that no longer exist. In a society where Corporations live and die by brand-name...
Economic Perspectives: The Recession Is over and the Housing Market Is Showing Surprising Strength. Look for $1.6 Trillion in Originations This Year, While Long Term the Housing Markets Look Healthy as Well. (Cover Story: Market Outlook)
HERE WE ARE MIDWAY THROUGH 2002 and it is a good time to take stock of the state of the economy and mortgage markets. In a word (OK, a few words), the economy is in recovery and mortgage markets are booming--for now. But let's look ahead a bit to gain...
Ellie Mae Offers New Services. (Tech Newz)
PLEASANTON, CALIFORNIA--BASED ELLIE MAE Inc. has partnered with DeepGreen Bank, allowing mortgage originators to access DeepGreen Bank's online services to originate loans without paper and access their home-equity lines of credit (HELOC) through Ellie...
Expect Higher Insurance Premiums for Corporate Coverages. (Executive Essay)
INSURANCE RATES FOR ALMOST EVERY industry segment are on the rise. Many property programs are seeing dramatic increases--some as high as 200 percent to 300 percent. Because mortgage bankers are a part of the larger insurance universe, they are not...
How to Fail at E-Mail Marketing: Here Are Some Simple Rules to Follow to Miserably Fail to Reach Future Generations of Homebuyers Who Live and Breathe for Their E-Mail. A Word to the Wise: Don't Follow This Advice. (Marketing)
IN OUR NATION'S WORST HOUR-SEPT. 11-PHONE COMMUNICATION WAS JAMMED, BUT E-MAIL WORKED. When the U.S. Postal Service was crippled by threats of anthrax contamination shortly thereafter, e-mail was regarded as a safe alternative. These are testaments...
HUD Proposes RESPA Reforms. (Business Alert)
HOUSING AND URBAN DEVELOPMENT (HUD) Secretary Mel Martinez has announced a proposal to make the process for buying or refinancing a home significantly easier. Martinez summarized the reform initiative as a "homebuyer bill of rights" that would require...
Marketing Mortgages En Espanol. (Cover Report: Market Outlook)
One in four residents speaks Spanish at home in states such as Texas, New Mexico and California. The 2000 Census shows the U.S. Hispanic population jumped 58 percent in the last decade. There is huge business potential for mortgage lenders who reach...
Marketrac[R]
Marketrac[R] North Central Residential Lenders--Top 30 First-Quarter 2002 / Sort Order: Total Loan Amount PURCHASE Rank Lender Total Number ...
May Existing-Home Sales Stable, near Historic Highs. (Business Alert)
ACCORDING TO THE NATIONAL ASSOCIATION of Realtors[R] (NAR), Washington, D.C. existing single-family home sales were essentially unchanged in May and remained near historically high levels. Existing-home sales slipped 0.3 percent to a seasonally adjusted...
Multifamily's Glow Returning in 2003. (Commercial)
Job losses and low mortgage rates have socked multifamily markets, bringing rent concessions. The national apartment vacancy rate is hovering around 9 percent, with pockets higher than that. Strong markets include Sacramento, California; Philadelphia;...
OFHEO Issues Risk-Based Capital Stress Test Results for GSEs. (Business Alert)
THE OFFICE OF FEDERAL HOUSING ENTERprise Oversight (OFHEO) has announced that government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac have passed the first application of the risk-based capital stress test. "The risk-based capital stress...
The Jury's Still out. (Training)
HERE IS A CASE STUDY ABOUT A question that is very real, very important and very challenging to some of the best companies in our industry. Hypothetical Mortgage Corporation (HMG) looked at its staff of 400 loan officers and saw a number of things...
Vital Statistics
Vital Statistics MORTGAGE APPLICATIONS INDEXES MORTGAGE BANKERS ASSOCIATION OF AMERICA MARKET COMPOSITES (Unadjusted) Market Purchase Refinance FRM ARM Index Index Index...
Weaker Markets Ahead. (Cover Report: Market Outlook)
The high-flying housing markets are expected to cool in the months ahead. A few mini-price bubbles appear to be building, notably in San Jose and parts of Southern California. Yet prospects remain solid in Florida, parts of California and the northeast...
Where's the Housing Bubble? (Executive Suite)
HOUSING-BUBBLE THEORISTS SURE have made their mark in recent months. Virtually every major publication has written about the supposed "bubble" in home prices and its likelihood of bursting and causing steep declines in valuations and mass foreclosures....
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