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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

With originations expected to drop in 2018, will your shop turn to non-QM/non-prime mortgage products as a way to bolster volumes?

Yes, definitely. We’re planning a launch.
No. It’s still difficult compliance/regulatory-wise.
Maybe. It’s under consideration.
Not now. But things could change as 2018 progresses.

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