Mortgage Loans: To Sell or Not to Sell

We decided to take a look at lenders that have the option to sell loans as well as portfolio to see what we can learn about their decisioning and selection process.  Happily, we have access to LendingPatterns™. The robust peer selection tool allowed us to create a...

2019 year-in-review in the world of HMDA

Like last year, I want to write another blog to recap the year’s HMDA developments and look ahead to what’s coming in 2020. This year’s blog will summarize three different fronts: 1) data collection, 2) Reg C changes, and 3) disclosure of public data. In each area,...

On the margins of metro areas

This is the third in a series of blogs related to the 2019 demographic changes. The first dealt with changes in metro area median family incomes and the second dealt with tracts that flipped from low/mod to not low/mod, and vice-versa. As discussed, the 2019...

Important Takeaways From the 2018 HMDA Data Release

As we enter the fourth quarter of the year and businesses begin forming their strategies for 2020, they need the most up-to-date consumer data to inform their strategies and match their clients’ needs. For financial institutions, there is no better source than the...