Recent Blog Posts

Our Thoughts On A Range of Topics
August 14, 2018
Location, Location, Location

Where You Call Home Matters Following the Great Recession many property markets have rebounded nicely in value. But many homes, even some in markets with strong recoveries, still have loan balances 25% or more above market value. Bloomberg reports ‘These U.S. Zip Codes Have Highest Share of Troubled Properties’ based on data from ATTOM Data […]

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August 14, 2018
Winter Is Coming . . . to the Economy

Vanguard has bumped up its estimate of recession risk The New York Times reported that ‘Vanguard Warns of Worsening Odds for the Economy and Markets’. As with any economic projection Vanguard ‘emphasizes that this is a general forecast.’ They acknowledge that the economy may continue to grow and the market might go up in the short-term. […]

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August 10, 2018
Competing with Zillow in Mortgages

Zillow has purchased a mortgage originator, Mortgage Lenders of America, as a logical extension of its home finding information business. Zillow already pushes advertising for other lenders' mortgage options (creating 'hot leads' for the lenders) presenting 23 million loan requests in 2017. By comparison, Mortgage Lenders of America originated fewer than 5,000 mortgages last year. […]

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May 15, 2018
No More PayDay Lending?

Sen. Kirsten Gillibrand has proposed "legislation aimed at putting an end to current payday lending practices by giving some banking services a new home:  the U.S Post Office" as reported by CNBC. 15 states have effectively outlawed payday loans, limiting loan options for residents there. Allowing the USPS to offer small loan services would further […]

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July 18, 2016
Facebook and Payments

With all of the new mobile payment options hitting the market can Facebook disrupt things even more?

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June 15, 2016
New FICO Score

FICO has acquired start-up QuadMetrics and plans to leverage its "predictive analytics and security-risk assessment tools to develop an industry-wide 'enterprise security score' for businesses" according to the Wall Street Journal. A single score could be used both internally to assess a company's risk as well as externally to measure the risk of its vendors. […]

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June 13, 2016
PayDay Loan Alternatives Part 2

People of faith can do more to support their parishioners in financial need

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June 8, 2016
FinTechs And New Products

Should specialized fintech companies expand beyond their product niche?

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June 6, 2016
Vouch Financial Closing Its Doors

Funders unwilling to vouch for its business model. Is this the start of a online lending shake-out?

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June 3, 2016
Auto Lending's Future

Auto loans have grown robustly of late. Just how attractive will auto lending be in the coming years?

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