Month: October 2018

  • What the HMDA Data Reveals about the Future of Private Label Securities

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    by

    Matt Piven
    in

    In the sixties they asked, “Where have all the flowers gone?”  Today I wonder: Where have all the spread loans gone?  Running historical trend charts in LendingPatterns™ reveal that spread lending still exists.  The next logical question is: Which investors are meeting the secondary market needs for these loans?  Or more importantly, who is absorbing…

  • The State of the US Housing Market: Millennial Trends

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    by

    Dana Ginsburg
    in

    Although US Federal Reserve Chairman, Jay Powell, may feel the US housing market is in good shape, it seems as though the market may be slowing more than is ideal. On the other hand, the economy in America is doing well, with one of the lowest unemployment rates in the country since 1969. So why…

  • Six Fun Facts about Combined Statistical Areas

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    by

    Debbie Malzahn
    in

    Combined Statistical Areas (CSAs) are defined in Community Reinvestment Act (CRA) Performance Evaluations (e.g., this one) as “a combination of several adjacent metropolitan statistical areas (MSAs) or micropolitan statistical areas or a mix of the two, which are linked by economic ties.” When describing regional markets for any product, like mortgages, media, etc., people often…