Research Papers On Mortgage Lenders

CREF Outlook Survey Each year, MBA conducts a survey of the top 60 commercial and multifamily lending firms to find out what they expect to see in 2015.The full survey results are only available to MBA commercial/multifamily and premier and select associate members.Although borrowers are showing increasing preference for online channels, the option of connecting with a live human remains important to them.

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Since scans are not currently available to screen readers, please contact JSTOR User Support for access. Debates over racial disparities in mortgage lending have intensified recently.

Most discussions have focused on the demand side: the characteristics of borrowers, the properties they intend to purchase, and the surrounding neighborhoods.

Fin Tech lenders adjust supply more elastically than do other lenders in response to exogenous mortgage demand shocks.

In areas with more Fin Tech lending, borrowers refinance more, especially when it is in their interest.

Seventy-one percent of borrowers surveyed said they worked with a lender that provided an online portal for sharing documents – and a majority reported that they either “like” or “loved” using the portal.

Much of the controversy about whether mortgage lenders discriminate against minorities can be explained in terms of the confusion about how to define discrimination.MBA's highly regarded research and economics group provides the timely and comprehensive data and benchmarking tools you need to make a difference in short- and long-term strategic planning.MBA's industry-leading single-family research products and services include economic forecasting and analysis for all real estate finance business areas.Jon Walker covers broad trends at the intersection of AI and industry for Emerj.He has reported on politics and policy issues for news organizations including National Memo, Massroots, NBC, and is a published science fiction author.Historical data and custom reports are also available. MBA's Commercial/Multifamily research group releases more than 20 reports per year, detailing the .4 trillion real estate finance industry.Look to MBA for definitive data you can you use to move your business forward.Less attention has been paid to the supply side: the characteristics of lending institutions.This article examines how mortgage loan approval rates for African-American applicants in one metropolitan area are affected by three lender characteristics: racial composition of the lender's work force, institution type (commercial bank or thrift), and size (number of employees and number of mortgage loans).Among all borrowers, the most common means of first contact was online (34%), followed by phone (30%), and in-person (18%).Online first contact is trending upward – 46% within the last year vs. Refinancers were 21% more likely to reach out to a lender online than purchase borrowers.


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