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Tag Archives: Risk

Asurity Technologies Announces Integrated Compliance Platform

Asurity Technologies, an enterprise formed to provide the financial services industry with RegTech solutions, announced its formation as an entity bringing together Treliant Solutions, LLC, Risk Management Solutions, Inc., and Mortgage Resources Group, LLC into an integrated compliance platform. According to Asurity, this platform will allow lenders to establish compliance, proactively manage a fair lending and redlining risk, and submit for both HDMA and CRA.

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Mortgage Fraudsters Ease Up in Q2

refinance

As interest rates continue to lower and home values rise, mortgage fraud application risk has fallen 8.9 percent from the second quarter of 2014 to the second quarter of 2015, according to CoreLogic's October 2015 Mortgage Fraud Report. The Mortgage Application Fraud Risk Index showed that approximately 12,814 of mortgage applications, or 0.67 percent, contained fraud in the second quarter of 2015.

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Managing the Unintended Consequences of TRID

Commentary is an ongoing series on theMReport.com that focuses on opinions, ideas, and insights from experts across mortgage banking. This advisory piece features Melissa Kozicki, director of compliance for the Mortgage Builder Division of Altisource, discussing the upcoming implementation of the TILA-RESPA Integrated Disclosure rule, and how mortgage bankers must put a plan in place to manage vendor liability and risk within the context of the new rule.

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Oil-Producing States at High Risk for Lowering House Prices

Research released by Arch Mortgage Insurance Company in its Winter 2015 Edition of Housing and Mortgage Market Review showed an increased risk of lowering home prices in oil-producing states. Midland, Texas ranked highest for risk of lowering home prices at 60 percent. States and cities were examined on the likelihood of home prices being lowered in the next two years, based on recent economic and housing market data.

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Survey: Credit Loosening Everywhere Except Mortgages

According to the OCC survey, 92 percent of surveyed banks originated residential real estate loans in 2014, and a full 20 percent reported tightening their standards regarding who can attain these loans. Seventy percent reported no changes in their standards, leaving a comparatively slight 10 percent of institutions claiming they eased their standards for residential mortgages.

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Mortgage Loan Risk Flat in August

AEI's National Mortgage Risk Index measured 11.3 percent last month, little changed from July's index, the group said. As a stress test, the index measures the percentage of loans that would be at risk of turning sour in the event of an economic downturn. Though the index has come down in recent months, it remains nearly twice the acceptable level "conducive to a stable market," AEI said.

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