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“The human brain is the most amazing organ in the human body. It works 24 hours a day, 365 days a year, from birth up until the moment that you buy your first NFT.” Money, some say, makes the world go ‘round. Last week we all learned that net production income for independent mortgage bankers fell to a $301 loss (13 basis points) for all of 2022, according to the MBA, a series low for the index which began in 2008. Marina Walsh, CMB, MBA’s VP of Industry Analysis, sagely observed, “The stellar profits of the previous two years dissipated because of declining volume, lower revenues, and higher costs per loan (which hit $10,624 per loan).” True: 1.5 closed loans a month per production employee stinks. LD knows a thing or two about rough times, and the industry took note of loanDepot’s settlement and cooperation agreement with Anthony Hsieh, its founder, chairman, former CEO, and largest shareholder. (LD is now trading around $1.52/share af ....
As freezing temperatures continue on in the Midwest and Northeast, keeping people inside, I doubt if there is a single person in the United States who doesn’t know someone who has tested positive for the Omicron variant, or knows someone who knows someone. I went to the bank yesterday but the branch was closed due to staffing absences! While we deal with this variant and wait for the next one, Michigan’s Victoria D. passed along, “The CDC says it’s not omicron unless it comes from the Omicronne Region of France. Otherwise it’s just sparkling COVID.” Staff shortages and winter storms have grounded flights just as airlines ramped up schedules. And in an overlap between housing policy and disasters, do you think building affordable housing, when the Federal Government demands it, is easy? It isn’t. Even replacing houses that were lost in dozens of disasters is an uphill battle. For example, only a handful of the 980 home owners who lost the ....
As freezing temperatures continue on in the Midwest and Northeast, keeping people inside, I doubt if there is a single person in the United States who doesn’t know someone who has tested positive for the Omicron variant, or knows someone who knows someone. I went to the bank yesterday but the branch was closed due to staffing absences! While we deal with this variant and wait for the next one, Michigan’s Victoria D. passed along, “The CDC says it’s not omicron unless it comes from the Omicronne Region of France. Otherwise it’s just sparkling COVID.” Staff shortages and winter storms have grounded flights just as airlines ramped up schedules. And in an overlap between housing policy and disasters, do you think building affordable housing, when the Federal Government demands it, is easy? It isn’t. Even replacing houses that were lost in dozens of disasters is an uphill battle. For example, only a handful of the 980 home owners who lost the ....
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