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Volume 21 - Number 18

September 8, 2017

Lender Pricing Depends on Consumer Demand

Interest rates offered for mortgages generally track with pricing for the loans in the secondary market. However, new research published by the National Bureau of Economic Research suggests that lenders offer worse pricing to borrowers when demand for loans is relatively strong. The findings were detailed in a working paper authored by Andreas Fuster, Stephanie Lo and Paul Willen. Fuster and Willen are in research departments at Fed banks, while Lo is currently a ...

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With mortgage production down noticeably this year from 2017, how many lenders might disappear via M&A or failure during the next 12 months?

10% or less. It’s not that bad out there.
11% to 25%. It’s a challenging market.
25% to 40%. It’s going to be very ugly.
No opinion.

vote to see results