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Federal home loan banks - profitability trends overview The 12 Federal Home Loan Banks are stock-chartered, government-sponsored enterprises whose original mission was to provide short-terns advances to member ......(Continue Reading)CRA and fair lending regulations: resulting trends in mortgage lending - Community Reinvestment Act The fair lending laws and the Community Reinvestment Act were passed after banks were thought to have failed in serving the credit needs of communities ......(Continue Reading)Trends in Home Purchase Lending: Consolidation and the Community Reinvestment Act Consolidation in the banking industry between 1975 and 1197 has led to changes in the marketing of home loans, with banks no longer loaning in the communities ......(Continue Reading)Low mortgage rates, improved economy driving year-end level of home builders' confidence CONTINUING low mortgage rates and improving economic conditions at the end of 2004 were helping maintain a solid level of builder confidence in the market for new single-family homes, according to...(Continue Reading)Spreads decline, CMBS confusion continues - interest rate spreads, commercial mortgage-backed securities The prime mortgage rate spread declined in Dec 1994 to 1.4%. The spread is the difference between mortgage interest rates and interest rates for Treasury ......(Continue Reading) |