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Thursday, November 15, 2018
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Brenda Clem, CMB, of Pavaso on Technology and Profitability

Brenda B. Clem, CMB, is Executive Vice President of Capital Markets with Pavaso, Plano, Texas, a provider of digital mortgage closing technology. She has more than 30 years of experience in operations and secondary markets. She is an active member of The Mortgage Bankers Association with a Certified Mortgage Banker designation and has served on various committees within MBA and MISMO. She is currently co-chair of the MISMO eWarehouse Workgroup and is a frequent speaker at industry events.

November 15, 2018

November 12, 2018
By MBA Insights Staff
John and Patrick Seroka on New Marketing Strategies for Lenders

John Seroka is a Principal and Brand Strategist with Seroka Brand Development, Brookfield, Wis., which provides brand development, marketing, PR, social media and mobile strategies to companies throughout the mortgage industry. Patrick Seroka is CEO of Seroka Brand Development, and has been named Entrepreneur of the Year by Ernst & Young and Merrill Lynch.

Topics:
John and Pat Seroka
Market Strategies
November 12, 2018
By Mark P. Dangelo
‘FOMO'--Welcome to ‘Snowflake' Delivery Conduits, Part 3

From biohacks to "becoming a cyborg" to the risk of "becoming ‘house cats' to artificial intelligence", fear and anxiety of channels has never been higher--and the stakes larger--for the 98% of financial institutions.

Topics:
Mark Dangelo
Technology
Innovation
November 12, 2018
By Stephen J. Shapiro
Court Holds FDCPA Applies to Debt Collectors with Debts They Own

In a recent precedential opinion, the Third Circuit held that an entity whose principal purpose is the collection of debts is a debt collector even if it owns the debt it is collecting and, therefore, is not collecting a debt owed another. In other words, an entity that meets the "principal purpose" definition is a debt collector even if it does not also meet the "regularly collects" definition.

Topics:
Fair Debt Collection Practices Act
Stephen Shapiro
Schnader
November 14, 2018
By MBA Insights Staff
Video

Best-selling author Joann Lipman joins mPower Founder Marcia M. Davies to discuss her book, That's What She Said, and how men can play an active role in closing the gender gap for women in the workplace..

Topics:
mPower Moments
Joanne Lipman
Gender Gap
November 9, 2018
By MBA Research & Economics
MBA Chart of the Week: Homeownership Rates by Age

The focus of this week's chart is the homeownership rate of the under-35 age group. At 36.8 percent in the third quarter, this the highest homeownership rate for this group in five years.

Topics:
MBA Chart of the Week
Homeownership Rates
Under-35
November 14, 2018
By MBA Insights Staff
Video

Mortgage Bankers Association AVP of Economic and Industry Forecasting Joel Kan breaks down the MBA Weekly Applications Survey for the week ending Nov. 9.

Topics:
MBA Weekly Applications Survey
November 5, 2018
By MBA Insights Staff
Video

In this MBANow video, Mortgage Bankers Association President and CEO Robert Brokesmit, CMB, discusses the Association's efforts to change the Bureau of Consumer Financial Protection's Loan Originator Compensation rule.

Topics:
MBANow
Bob Broeksmit
Loan Originator Compensation
November 12, 2018
By MBA Insights Staff
People in the News

Hunt Real Estate Capital, New York, named Tyler Griffin as Chief Operating Officer.

Topics:
People
November 14, 2018
By MBA Insights Staff
Video

In this MBANow video, Sam Zaki, Senior Vice President of Title/Appraisal Sales and Strategy with Radian, discusses the changing face of the title industry.

Topics:
MBANow
Sam Zaki
Radian
November 12, 2018
By Tom Lamalfa
October 2018 MBA Annual Convention Survey Scorecard

This is the 21st time since 2008 that this survey has been conducted, distributed and published. I complete it twice annually, at the MBA Annual Convention every October, and each May at the MBA National Secondary Market Conference. This year marked my 39th MBA convention in 42 years.

Topics:
Tom Lamalfa
Annual Convention Survey Scorecard
November 5, 2018
By A.W. Pickel
Lions and Tigers and Bears, Oh My! How Mortgage Bankers Can Thrive in a Volatile Rate Environment

In the classic film, "The Wizard of Oz," when Dorothy sets out on the Yellow Brick Road, she is warned about the dangers of the journey--among them, "lions and tigers and bears, oh my!" When you think about it, it's not all that different from what mortgage bankers are given to understand about the challenges of the current market.

Topics:
A.W. Pickel
Waterstone Mortgage
Management
November 5, 2018
By Stephen Curry
In the Era of Technological Transformation, What Must Lenders Do to Remain Successful?

The introduction of robo-advisers and biometric data to gain access to a bank account signify the beginning of an era of accelerating technological transformation. Significant changes in technology will continue to affect all facets of the financial environment in the coming years and therefore affect the lives of consumers, employees and business owners.

Topics:
Stephen Curry
Gateway Mortgage
Technology
November 5, 2018
By Jim Costello
Should Commercial Mortgage Rates Be Higher?

It is tough out there for mortgage lenders. Given the run-up on the long end of the yield curve from midyear 2016 to 2018, one might have expected a similar increase in commercial mortgage rates. The intense competition from a variety of sources of debt capital, particularly upstart debt funds, has forced lenders to accept narrower margins.

Topics:
CRE
Interest Rates
Real Capital Analytics
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