#cdfi-loan-loss-reserve

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Online Community Development
fromwww.housingwire.com
18 hours ago

CDFIs could draw institutional capital for climate projects

There is a strong desire for collaboration between institutional investors and community development financial institutions, but barriers exist due to perceived risks and lack of standardization.
#private-credit
fromHarvard Business Review
21 hours ago
Higher education

Limiting Your Exposure to the Private Credit Crisis

Concerns exist in the private credit sector, but experts do not predict an inevitable financial crisis.
from24/7 Wall St.
2 weeks ago
Business

Private Credit Could Crush the Stock Market: 5 Financial Dividend Giants With Zero Exposure

Private credit poses significant risks due to leverage and debt, with potential liquidity mismatches exacerbating financial instability.
Business
from24/7 Wall St.
2 weeks ago

Private Credit Could Crush the Stock Market: 5 Financial Dividend Giants With Zero Exposure

Private credit poses significant risks due to leverage and debt, with potential liquidity mismatches exacerbating financial instability.
Bootstrapping
fromFortune
12 hours ago

How to get out of debt: 9 proven strategies that actually work | Fortune

Identifying the causes of debt is essential for effective elimination strategies.
Non-profit organizations
fromFortune
9 hours ago

Fed seeks details on U.S. banks' exposure to private credit firms | Fortune

The Federal Reserve is investigating US banks' exposure to private credit due to rising redemptions and troubled loans in the industry.
Business
from24/7 Wall St.
16 hours ago

7 Dividend ETFs Built to Survive a Recession and Pay You Through It

Recession indicators suggest caution; seven ETFs are designed to provide income and limit losses during downturns.
#ecoa
Artificial intelligence
fromTearsheet
1 day ago

For U.S. Bank, embedded finance was step one. The self-reinforcing model is step two. - Tearsheet

U.S. Bank is enhancing partner API integrations with a generative AI assistant to streamline processes and expand its market reach.
Law
fromwww.housingwire.com
2 days ago

FinCEN proposes new AML rule for financial institutions

FinCEN proposed a rule to reform AML/CFT programs, focusing on effectiveness and reducing compliance burdens for financial institutions.
fromwww.housingwire.com
2 days ago

Washington DFI charges Newrez with mortgage servicing violations

DFI alleges that Newrez engaged in unfair or deceptive practices that affected 29 Washington consumers by failing to mediate in good faith during foreclosure proceedings, providing misleading information, and responding to concerns untimely.
Washington DC
Cryptocurrency
fromnews.bitcoin.com
3 days ago

FDIC Proposes GENIUS Act Rules for Bank Stablecoin Issuers: 1:1 Reserves and 2-Day Redemptions Required

The FDIC approved a rule for stablecoin issuers requiring 1:1 reserves and redemption within two business days, with a comment period ending before July 2026.
fromwww.housingwire.com
4 days ago

NMB taps Herrera as president of Hispanic homeownership division

Yasser has such an incredible drive and understands that our business is rooted in the success of those around us, including our loan officers and the customers that look to us to educate and inform along their pathway to homeownership.
LA real estate
Business
from24/7 Wall St.
1 day ago

CLO equity stress test reveals the danger behind 22% yields

Oxford Square Capital Corp. faces risks to its high yield due to declining performance in its CLO equity investments.
SF real estate
fromwww.housingwire.com
1 week ago

Finance of America launches new reverse mortgage line of credit

HomeSafe Second Line of Credit offers a nonrevolving reverse mortgage option for accessing home equity without new monthly payments.
Real estate
fromwww.housingwire.com
3 days ago

Borrowers have a new agent. Is your organization built for it?

AI is shifting negotiating power from lenders to borrowers, requiring institutions to adapt or risk losing competitive advantage.
Business
from24/7 Wall St.
2 days ago

UMB Financial Rated New Outperform: The Under-the-Radar Regional Bank Wall Street Just Discovered

UMB Financial has received an Outperform rating from Autonomous Research, indicating strong potential for growth and investment interest.
#mortgage-underwriting
Real estate
fromwww.housingwire.com
4 days ago

Verification first: Why mortgage lending must rethink income and how it actually works

Mortgage underwriting needs to evolve from document-driven methods to assessing income behavior for better risk evaluation.
Real estate
fromwww.housingwire.com
1 month ago

Verification is the new credit score

The mortgage industry's core challenge is data confidence and reconciliation across multiple independent systems, not processing speed, as traditional credit scores cannot validate the consistency and reliability of increasingly complex data sources.
fromwww.housingwire.com
1 week ago

Homeowner Assistance Fund backstopped vulnerable borrowers

The insights from this report help us think about potential gaps in the loss mitigation waterfall and the types of homeowners who may benefit from targeted support when they experience a crisis.
SF real estate
US news
fromwww.npr.org
2 weeks ago

They gave her business a lifeline, then froze all her money

A finance firm froze Jane's accounts without warning, devastating her family and business after she borrowed money through a merchant cash advance.
fromFast Company
2 weeks ago

Why your credit score might be slipping even if you're doing everything right

The average American's FICO score is now down to 714 - a two point decline over the course of the last year, reflecting a troubling trend in credit health.
Education
Real estate
fromwww.housingwire.com
4 days ago

Rocket overtakes UWM in 2025 HMDA loan count

The mortgage market grew in 2025, with increased originations and consolidation among lenders despite a decline in the number of active lenders.
Cryptocurrency
fromnews.bitcoin.com
2 weeks ago

FTC Warns Visa, Mastercard, Paypal, Stripe as Debanking Concerns Shake US Financial Access

Federal regulators are intensifying scrutiny of payment giants over account restrictions that may conflict with consumer expectations and policies.
Venture
fromTearsheet
3 weeks ago

Why fintechs are transitioning from partners to principals in banking - Tearsheet

Three major fintechs applied for bank charters in early 2026, signaling a fundamental shift from the asset-light fintech model toward direct banking operations and regulatory control.
Real estate
fromwww.housingwire.com
4 days ago

Elly Johnson on reverse mortgage liquidity and compliance

Elly Johnson emphasizes the evolution and improvements in the reverse mortgage industry, focusing on compliance, consumer protection, and operational complexities.
NYC politics
fromAmerican Banker
4 weeks ago

NY proposal could boost minority banks' access to state deposits

New York state bills would expand minority and community bank access to state deposits, enabling increased lending in underserved communities.
Startup companies
fromTechCrunch
3 weeks ago

Fuse raises $25M to disrupt aging loan origination systems used by U.S. credit unions | TechCrunch

Fuse, an AI-native loan origination system, raised $25 million Series A to modernize legacy lending software used by credit unions and lenders.
SF real estate
fromwww.housingwire.com
3 weeks ago

NAREB president calls for 'optimistic underwriting'

NAREB addresses homeownership barriers through policy advocacy, grassroots outreach, and a Community Property Fairness Initiative challenging FHA's spousal debt underwriting rules in nine states.
Real estate
fromIndependent
2 weeks ago

Your money questions: Is it possible to switch my mortgage from the bank to a local credit union?

Switching mortgages to credit unions is increasingly common as members seek local financial management and competitive interest rates.
fromwww.housingwire.com
3 weeks ago

How Public Financing Wins Projects Before You Build

Through Community Facilities Districts (CFD), Municipal Utility Districts (MUD), Public Improvement Districts (PID), Community Development Districts (CDD) and reimbursement districts (RD), builders can potentially shift infrastructure costs off their balance sheets and onto special districts that homebuyers ultimately absorb through property taxes without potentially adding debt to the builder's books.
LA real estate
Online marketing
fromSocial Media Explorer
1 month ago

Balancing Credit Building with Credit Caution - Social Media Explorer

Build credit steadily and intentionally through consistent, responsible use rather than aggressive account opening, as time and payment history matter more than rapid activity.
SF real estate
fromwww.housingwire.com
3 weeks ago

Finance of America expands HomeSafe Second reverse mortgage

Finance of America launches HomeSafe Second, a second lien product for homeowners 55+ to access home equity without refinancing or making monthly payments.
Law
fromwww.housingwire.com
1 month ago

West Capital sues loanDepot over TILA pay violations

loanDepot allegedly compensated production staff for steering borrowers into higher-rate loans while penalizing pricing exceptions, creating unfair competitive advantages through systematic violations of lending regulations.
Real estate
fromwww.housingwire.com
2 weeks ago

HighTechLending, Better partner to expand EquitySelect HELOC

HighTechLending's EquitySelect HELOC offers flexible home equity access for borrowers struggling with traditional underwriting standards.
SF real estate
fromwww.housingwire.com
3 weeks ago

From loan pools to consumer wallets: The ripple effects of credit score lender choice

The FHFA directed approval of two credit scores despite GSEs recommending only FICO 10T, and a lender-choice model between FICO and VantageScore will create pricing inconsistencies and risk measurement challenges in the secondary mortgage market.
Bootstrapping
fromEntrepreneur
1 month ago

Why Chasing More Revenue Won't Fix Your Financial Struggles

Pursuing revenue growth without stabilizing internal systems, costs, and processes amplifies inefficiencies and creates fragile, unsustainable businesses instead of profitable ones.
Mental health
fromwww.theguardian.com
1 month ago

Overdrawn, underpaid and over it: how four people conquered their debt mountains

Debt affects 84% of UK adults, with rising borrowing rates driven by cost-of-living pressures, while shame prevents many from seeking help until reaching crisis point.
Non-profit organizations
fromwww.housingwire.com
1 month ago

Brief warns cuts to CDFI Fund could harm local economies

CDFIs are mission-driven lenders that leverage federal funding to catalyze private investment in underserved communities, with each dollar of CDFI Fund assistance historically generating approximately $8 in private investment.
EU data protection
fromwww.housingwire.com
1 month ago

How to ensure locked-down compliance during HMDA reporting season, and year-round

HMDA compliance requires year-round automation and verification systems to manage increasing regulatory scrutiny, as manual processes and data errors create significant compliance risks for financial institutions.
fromwww.housingwire.com
1 month ago

Finance of America 2025 profit jumps 175% on loan volume

Adjusted EBITDA totaled $143 million, a 138% increase from 2024. This was a reflection of improved earnings quality and the benefits of scale across the company's platform. Funded loan volume totaled $2.4 billion in 2025, a 24% increase from 2024, with fourth-quarter funded volume reaching $619 million, up 16% from the same period a year earlier.
Business
#mortgage
Real estate
fromwww.housingwire.com
3 weeks ago

Lower rates aren't enough: What mortgage lenders and servicers must do to set spring homebuyers up for long-term success

Interest rates easing may improve buyer sentiment, but sustainable homeownership relies more on managing cash flow than just lower rates.
fromwww.housingwire.com
1 month ago
Real estate

AI training for loan officers: Why AI proficiency is critical for helping borrowers

Effective AI use as an assistive tool enhances loan officers' preparation, education, and speed while preserving human judgment, accountability, and compliance.
Real estate
fromwww.housingwire.com
3 weeks ago

Lower rates aren't enough: What mortgage lenders and servicers must do to set spring homebuyers up for long-term success

Interest rates easing may improve buyer sentiment, but sustainable homeownership relies more on managing cash flow than just lower rates.
LA real estate
fromLos Angeles Times
11 years ago

New home loan helps lower-income borrowers build equity quickly

A new wealth-building home loan enables lower-income borrowers to build equity rapidly through reduced interest rates and rate buydowns, requiring no down payment, closing costs, or mortgage insurance.
California
fromwww.housingwire.com
1 month ago

From relief to rebuilding: Rethinking forbearance in an era of climate disruption

California wildfires demonstrate how climate disasters, insurance volatility, and rebuilding delays require lenders and policymakers to develop sustainable forbearance policies with national implications.
Real estate
fromwww.housingwire.com
3 weeks ago

The industry's quiet first line of defense

Title agents perform critical fraud detection work during real estate transactions that remains largely invisible to buyers, sellers, and lenders despite being more important than the visible closing process.
Real estate
fromwww.housingwire.com
3 weeks ago

Banks eye mortgage growth if Basel III capital rules ease

Bank executives anticipate Basel III recalibration could increase mortgage and MSR attractiveness through lower risk weights and LTV-sensitive capital requirements, though implementation is expected to be gradual.
Real estate
fromwww.housingwire.com
4 weeks ago

Is it time to bring banks back to the mortgage business?

Mortgage loan origination collapsed from 14.2 million in 2021 to under 5 million in 2023, with independent mortgage banks filling the gap while maintaining quality, yet regulators and industry leaders argue banks should re-engage to restore competition and customer relationships.
Brooklyn
fromBrooklyn Eagle
2 months ago

New loan product expands credit access for Brooklyn worker co-ops

A Brooklyn credit union launched loans up to $100,000 without personal guarantees for worker-owned co-ops, using cash-flow underwriting and a $1M loan-loss reserve.
Real estate
fromwww.housingwire.com
4 weeks ago

Longbridge launches RetentionIQ to protect broker pipelines

Longbridge Financial launched RetentionIQ to automatically prevent retail team contact with borrowers in broker pipelines, reducing channel conflict through standardized outreach protocols.
US politics
fromTearsheet
2 months ago

Micro case studies: The feud over interest rate caps and the murky future of agentic commerce - Tearsheet

Interest rate caps squeeze bank/card profitability and credit supply, creating growth opportunities for fintechs to capture underserved consumers and SMBs with tailored lending products.
US news
fromBusiness Insider
2 months ago

Citi CFO: We 'would' and 'could' not back Trump's credit card caps

A 10% credit card interest-rate cap would restrict access to credit and harm the economy, Citi warns.
Real estate
fromwww.housingwire.com
1 month ago

Private credit didn't fix middle-market CRE. It delayed a reckoning

Private credit's market expansion masked fundamental inefficiencies in commercial real estate lending that now surface as refinancing accelerates in a higher-rate environment.
fromBusiness Matters
1 month ago

Taskforce aims to unlock 1bn in small business lending

Ministers are seeking "concrete commitments" over the next five years to expand funding for the community development financial institution (CDFI) sector, not-for-profit lenders that support businesses unable to secure loans from mainstream banks. The initiative follows a review which found that many small firms are being pushed towards high-cost borrowing because of rising rejection rates, regulatory complexity and broker practices.
Business
fromwww.housingwire.com
1 month ago

Radian shuts down mortgage conduit after divestiture process

Radian ceased accepting new business for Radian Mortgage Capital early last week and is in the process of thoughtfully winding down the business over the coming months. This decision followed a thorough process to explore divestiture options, and ultimately, we determined that discontinuing operations was in the best interests of our organization, our employees and our customers.
Real estate
Cryptocurrency
fromEntrepreneur
1 month ago

The Quiet Shift in Finance Leaders Can't Afford to Ignore

Institution-led digital finance rebuild integrates tokenization, stablecoins and regulated frameworks into core capital markets, making operational readiness the decisive competitive advantage.
Real estate
fromwww.housingwire.com
1 month ago

Logan Finance rolls out new product tier for high-balance non-QMs

Logan Finance launches Open Road Elevated, a high-balance non-QM lending program offering up to $5 million loans through four specialized pathways for borrowers with complex financial profiles.
Real estate
fromtherealdeal.com
1 month ago

Syndicator lender Ready Capital reports massive losses

Ready Capital reported a $232 million loss while restructuring its commercial real estate loan book, with stock down 60% and non-accruing loans rising to 25% of its portfolio.
fromLondon Business News | Londonlovesbusiness.com
1 month ago

What are my rights as a borrower? - London Business News | Londonlovesbusiness.com

Taking out a loan can feel like stepping into unfamiliar territory. Questions pile up fast. How much can they charge me? What happens if I miss a payment? Can they call my workplace? Here's what most borrowers don't realize. Singapore's Moneylenders Act grants you significant legal protections. These aren't suggestions lenders can ignore. They're enforceable rules backed by the Ministry of Law. Every licensed money lender operating in Singapore follows them. No exceptions.
Law
Real estate
fromwww.housingwire.com
1 month ago

Redwood Trust closes $391 million non-QM securitization

Redwood Trust closed a $391 million non-QM securitization through its new Aspire platform, targeting high-quality borrowers underserved by traditional mortgage programs.
Business
fromFortune
1 month ago

Private equity's playbook to shake off the zombies: meet the continuation vehicle | Fortune

Continuation vehicles enable GPs to provide liquidity while retaining exposure, give LPs choice to exit or roll, and preserve company continuity amid weaker exit markets.
Real estate
fromLos Angeles Times
11 years ago

Loan gives low-income borrowers a chance to build equity fast

A new 15-year Wealth Building Home Loan allows low- and moderate-income borrowers to build equity faster than 30-year mortgages through lower rates, minimal down payments, and residual income-based underwriting.
Business
fromLondon Business News | Londonlovesbusiness.com
2 months ago

Easy start feature from Cashfloat puts borrowers back in control of loan repayment flexibility - London Business News | Londonlovesbusiness.com

Cashfloat's Easy Start lets borrowers reduce initial repayments by deferring one payment to loan end, without extra interest and without changing loan terms.
fromFast Company
2 months ago

4 strategies for building a 'good enough' financial plan and portfolio

Step away from those individual stocks. Forget I bonds and laddered portfolios of individual Treasury Inflation-Protected Securities. If you're a satisficer, they're not for you. Reduce your number of accounts and the holdings within them.A portfolio with fewer moving parts is easier to oversee and simpler to document in case your loved ones or a financial advisor needs to take the wheel.
Business
Real estate
fromwww.housingwire.com
1 month ago

Why mortgage licensing must be a priority for private lenders In 2026

Mortgage licensing is a critical legal and deal-enabling priority for private lenders, not an operational afterthought, with significant consequences for non-compliance including usury exposure, penalties, and loan enforceability risks.
Real estate
fromwww.housingwire.com
1 month ago

Capital One joins BPC housing affordability council

Capital One joins BPC's Executive Council for Housing Affordability to advance bipartisan solutions for housing supply, affordability, and access while supporting pathways for financial resilience.
fromwww.housingwire.com
1 month ago

AD Mortgage launches its largest non-QM securitization yet

The deal represents a defining milestone for the firm. It reflects not only the continued strength of the non-QM RMBS market, but also the confidence investors place in our platform and in AD non-QM mortgages as a premier asset class.
Real estate
Real estate
fromwww.housingwire.com
1 month ago

The mortgage industry doesn't have a speed problem. It has a trust problem.

Mortgage industry speed improvements haven't reduced costs or risks because the real bottleneck is trust in fragmented, inconsistent data, not processing velocity.
fromRedfin | Real Estate Tips for Home Buying, Selling & More
1 month ago

How to Buy a House with Low Income Even If You Have Little Savings

Many buyers assume homeownership is out of reach if they earn less than the area's median income - but that's not always true. From FHA and USDA loans to down payment assistance programs, there are real pathways to homeownership - even if you have little savings.
Real estate
Real estate
fromwww.housingwire.com
2 months ago

Newfi Lending expands DSCR program to accept crypto reserves

Newfi expanded lending guidelines to allow borrowers to count cryptocurrency holdings (Bitcoin, Ethereum, crypto mutual funds/ETFs) toward reserve requirements, preserving liquidity.
Real estate
fromwww.housingwire.com
1 month ago

How to Comply with FinCEN Without Break Your Operations (or Budget)

FinCEN's Residential Real Estate Rule, effective March 1, 2026, requires title and escrow teams to file file-by-file AML reports and embed compliance into core workflows.
Real estate
fromwww.housingwire.com
2 months ago

GSEs boost foreclosure prevention as forbearances surge

Forbearance and permanent loan modifications rose sharply in October, while delinquency modestly improved, foreclosures increased, and refinance activity grew as rates fell.
Real estate
fromwww.housingwire.com
1 month ago

Regulators urged to ease bank capital rules for mortgages

Trade groups asked regulators to recalibrate bank capital requirements for residential mortgages, MSRs, and warehouse lending to better reflect current risk and protections.
Real estate
fromwww.housingwire.com
2 months ago

Mortgage defects stabilize as lenders face quality control issues

Quality control staffing stabilized in 2025, but origination cost pressures and volume surges cause fluctuating defect types and levels, increasing buyback and defect risk.
fromwww.housingwire.com
1 month ago

What's Pennymac's strategy behind the Cenlar acquisition?

Cenlar has a subservicing platform with $740 billion in unpaid principal balance (UPB) and 2 million loans across 100 clients, generating about $460 million in revenue in 2025. But $307 billion in UPB will not transition to Pennymac because some clients mainly UWM are bringing their subservicing activities in house. Pennymac tied part of the acquisition cost $85 million in contingent consideration payable over three years to client retention.
Real estate
fromBusiness Insider
2 months ago

A physician saddled with 7-figure debt explains how she started buying property with her 401(k) funds

By the time Dr. Jill Green finished medical school, she'd racked up seven figures in student debt and had virtually zero assets. "My net worth was negative $1 million," the family practice and emergency medicine doctor told Business Insider. "Our primary home was our only asset." Green, who began her career in investment banking before pivoting to medicine, began entertaining the idea of property investing after hearing a physician couple speak at a virtual entrepreneur event for doctors.
Real estate
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