Smart Credit Unions Deploy Data to Build Membership
By Robert Walker, LPS Applied Analytics Credit unions across the country continue to set the standard for customer-focused, personalized service; helpful products and solutions; and true involvement in...
View ArticleStepping Up Mortgage Lending Quality with AVMs
By Rob Walker, Managing Director, LPS Applied Analytics While credit unions have long specialized in home equity lending, the majority are now participating in first-mortgage lending as well. In fact,...
View ArticleUtilizing Advanced Tools for Effective Mortgage Portfolio Management
by. Rob Walker, Managing Director, LPS Applied Analytics Credit unions continue to accelerate their efforts to provide both first and second mortgages to their valued customers. This is evident with...
View ArticleThe Mid-Year Mortgage Portfolio Valuation and AVM Cascades
As financial institutions – including credit unions that offer mortgage lending – gear up for a mid-year analysis of their mortgage loan portfolios and the value of collateral assets, there are some...
View ArticleMaking More Informed Default Decisions
While unemployment rates and overall economic activity have continued to slowly improve, mortgage default rates have also started to slow. Nonetheless, mortgage defaults are still significantly higher...
View ArticleGearing Up for More Home Equity Lending
With housing prices trending upward after several years of steady decline in many areas across the country, more homeowners are now in a positive equity position. Since other economic factors like...
View ArticleLeveraging Property Intelligence for Home Equity Lending
As credit unions continue to operate in an environment of uncertainty regarding ongoing regulatory change, rising interest rates and a sluggish economic recovery, it may seem difficult to generate the...
View ArticleMore intelligence for better marketing
Over the past year, mortgage origination activity has been on an upswing. While credit unions generally tend to focus more on home equity lending, many are originating first mortgages as well. Some are...
View ArticleCollateral risk management under the microscope in new regulatory environment
While the surge in mortgage refinance opportunities during the past few years may be slowing due to interest rate increases, credit unions have continued to maintain a strong presence in the mortgage...
View ArticleYear-end mortgage portfolio valuation in a new regulatory environment
For most credit unions, the end of the year means it’s once again time to value their mortgage portfolios. Even though risk has typically been low for credit unions, credit unions need to take a look...
View ArticleHome equity lending in a new regulatory environment
New regulations set to take effect in January 2014 have credit unions facing a tremendous amount of uncertainty. Many credit unions wonder if the loan products they have built their mortgage business...
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