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May 17, 2018

New York Fed Suggests Examining Danish Mortgage Finance System for Reform Ideas

By Carisa Chappell

The Federal Reserve Bank of New York said as the U.S. considers reforming the housing-finance system it should take a look at what can be learned from other countries, in particular, Denmark.

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Who "owns" the mortgage customer that’s brought to a wholesale lender through a loan broker?

The broker. It’s his/her client.


The wholesale/table funder. They’re taking the financial risk.


The broker, but only for the first year. After that, the borrower is fair game.


Hard to answer. It’s a complicated issue.