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January 31, 2014

The Future of Mortgage Banking: Are We Moving to an Originate-to-Hold Model?

By Thomas Ressler

Will more commercial banks hold 30-year fixed loans in portfolio? Wells Fargo and JPM are doing it, but what if rates spike unexpectedly?

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Poll

HUD has announced a 25 basis point cut in FHA premiums, which is slated to take effect in late January. Is your lending shop for or against a cut in FHA premiums?

For. It should help lending volumes.
Against. The private MI sector should take on this risk, not the government.
Too early to say.
I believe the new White House may scuttle the idea so it doesn’t matter.

vote to see results