Heitman News

News Date Title Text1 Text2 Text3 Title
27 Oct 2019
MBA National Conference Heitman Analytics will be at the MBA National conference in Austin this week staying up to date on the latest news and technology in the mortgage industry. Our clients and industry contacts are valued and important to us; if you or someone on your team will be present and like to meet, please do not hesitate to reach out to us. <img id="newsImage-7c7f2190-04d9-454a-b4da-b70eaee93a01" alt="" class="newsImage" width="180" 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"" />
MBA National Conference
Heitman Analytics will be at the MBA National conference in Austin this week staying up to date on the latest news and tec...
20 Sep 2019
Index Indecision Questions are building every week over what mortgage lenders will do for their adjustable rate mortgages (ARM) coming into and beyond LIBOR’s scheduled demise in 2021. While the Secured Overnight Financing Rate (SOFR) has been hailed early on as a possible replacement, especially with FNMA and FHLMC announcing ARM plans tied to the new index; is that really what we can expect lenders to jump to? This week alone as bank reserves became scarce SOFR jumped over 800 bps from 2.2% to 5.25%, hardly an encouraging sign for a much needed stable mortgage index. Back in June, in a poll of commercial and multifamily mortgage lenders by the Mortgage Bankers Association only 41 said they might use SOFR as the replacement for LIBOR. There are still alternatives out there. In the short term we just may see lenders retreat back the 1 year treasury (CMT) rate that was most popular with adjustable mortgage prior to the rise of LIBOR. There are lenders out there that have continued to offer CMT based ARMs, and there is a wealth of historical precedent to CMT and its reactions to market influences. Earlier this month Associated Bank announced they would be transition to CMT based ARMs with 2.75% margins. Heitman is already fielding inquiries from institutions to hear what the plans are form other lenders, reach out to us, and we can keep you updated with the latest news.
Index Indecision
Questions are building every week over what mortgage lenders will do for their adjustable rate mortgages (ARM) coming in...
13 Sep 2019
HELOC Utilization incentives As HELOC originations are expected to increase in 2020, while utilization rates are expected to decline; lenders are looking to incentivize increased utilization among their home equity product offerings. Heitman’s HELOC report engine now allows for variability in utilization rates for each reported bucket allowing for more detailed and robust reporting options. Contact us for a free trial of our HELOC reporting.
HELOC Utilization incentives
As HELOC originations are expected to increase in 2020, while utilization rates are expected to decline; lenders are looki...
29 Aug 2019
Appraisal Thresholds When the new rules on appraisals become effective, mortgages on 1 to 4 family homes sold for $400,000 or less may be exempt from an appraisal; how will this impact the fees appraisal fees as a whole? Did you know Heitman conducts an annual survey, nationwide on appraiser fees? Ask us for more information ro you can also keep tabs with our Semi-Annual Lender Based Fee Survey.
Appraisal Thresholds
When the new rules on appraisals become effective, mortgages on 1 to 4 family homes sold for $400,000 or less may be exemp...
23 Aug 2019
FICO Updates Heitman is seeing more lenders tweaking their FICO adjustments along with lots of fine tuning of purchase and refinance adjustments. Ask us for an update.
FICO Updates
Heitman is seeing more lenders tweaking their FICO adjustments along with lots of fine tuning of purchase and refinance ad...
02 Jan 2019
Happy New Year Happy New Year from all of us at Heitman Analytics! 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