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Penticton groups send 'Youth Homelessness Research Report' to Victoria and Ottawa, with a plea for help - Penticton News

Penticton groups send 'Youth Homelessness Research Report' to Victoria and Ottawa, with a plea for help - Penticton News
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Cash Flow Worksheet, MBA Membership Products; Thoughts on CFPB's Latest Moves

Today, for yield curve fans, the 3, 5, and 7-year Treasury yields are all above the 10-year yield. But yesterday was the Spring Equinox, aka Vernal Equinox, above the equator. The technical description of this event is beyond the scope of this Commentary, but suffice it to say we continue to have more sunlight in the Northern Hemisphere. Miami has plenty of sunlight, and the influences of Cuban and Central American culture are reflected in this smash hit (7.7 billion views) from a few years ago, written and recorded in Miami. What is the chatter in the hallways of The Mortgage Collaborative event? Even though volumes were up for many lenders, by the time 2021 was tallied, profits were down mostly due to margin compression which accelerated in 2nd half of 2021, becoming even more acute in Q1 2022 as lenders who were fully staffed reduced margins to keep loans coming in the door and their staff occupied. Some of the talk is about how banks (with increased deposits in 2020 and 2021 from i ....

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Sales Tools; BI, Digital Processing, VOE, Servicing Products; FHA, VA, and Rural News

Today’s commentary: 100 percent the truth except for the stuff I make up randomly. I am not making up the Federal Reserve’s meeting this week with traders nearly certain that a 25-basis point rate hike will be announced. And I am not making up today’s nickname: Pi Day has come around once again, which is also, coincidentally, Albert Einstein’s birthday. (Albert had his share of quirkiness, including marrying a woman who was his cousin on his mother’s and father’s side.) Although pizza promotions have taken over this date, every year March 14 (3.14) celebrates the irrational number that we use to explain the relationship between a circle’s circumference and diameter, bringing joy to nerds everywhere. Pi is an irrational and transcendental number meaning it will continue infinitely without repeating. Wells Fargo sure hopes that its mortgage scandals won’t continue indefinitely. Wells, which represented the “gold standard ....

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Servicing, Digital, Customer Service Tools; Retail Lender News

What is $9,140? It was the production cost, per IMB loan for the 3rd quarter in 2021. (The Q4 2021 results are coming out on March 22.) I bring this up because, generally speaking, lenders are selling the loans they manufacture at roughly the same price, so profitability, and long-term success, will depend on lowering their manufacturing costs. Costs “may” very well set a record-high in Q4 2021. As is, for Q3 2021 we were at the second highest levels, right behind the 1st quarter of 2019 when volume was much lower than Q3 2021. (Questions about the MBA Quarterly Performance Report, including what is in the numbers, should be directed to Marina Walsh, VP, Industry Analysis, Research, and Economics with the MBA.) Residential volume is impacted by interest rates, which in the short-term have been driven down by Russia attacking Ukraine, but in the long term influenced by economic trends… Are we heading toward a market with ramped-up adjustable-rate mortgage volume? Pe ....

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Compliance, MLO, U/W jobs; processing, disclosure, broker tools; conventional conforming changes; fraud report; refi to purchase shift

The mortgage talk here in Cleveland is how, “Tough times never last but tough people do.” Many estimates have residential production hitting $4.8 trillion in 2021, so is there anyone left to refinance? Of course there is, and in many conversations with lenders, rate &amp; term refis have been replaced by cash out. Black Knight, a mortgage technology and data provider, says there are still 3.8 million people who would benefit from refinancing (30-year fixed-rate mortgage holder with a maximum 80% loan-to-value ratio, a credit score of 720 or more, and a likelihood of reducing their current first lien rate by at least 0.75%) and potentially save $1 billion per month. But many MLOs and lenders have turned their attention to the purchase biz, so what are they doing? The current STRATMOR blog is, “What’s Next” about how lenders and MLOs are shifting to a purchase-centric focus. And unfortunately, even “purchase business” has a solid p ....

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