Strategically Transforming The Mortgage Banking Industry
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Author | : James Deitch |
Publisher | : |
Total Pages | : 294 |
Release | : 2018-10-06 |
Genre | : |
ISBN | : 9781724053862 |
"In mortgage banking, there is no strategy. The government tells you what to do. You do it or face litigation and enforcement. That's why the business is so commoditized." This is a startling assessment of the state of the mortgage banking business and comes from an executive in the industry. This individual was serious. Many in our industry appear to accept the 'no strategy' view of our business. If you concur, then read no further.In my opinion, 'no strategy' cannot be the answer, especially at this point in mortgage banking's history.I can understand why so many are entrenched in the idea of 'no strategy.' It's true that the residential housing and lending space in the United States is one of the most regulated areas of the economy-- sometimes oppressively regulated. It may sometimes feel like regulators 'tell you what to do.' But there are many choices that can be freely made by mortgage executives. Some executives, in fact, are rapidly examining strategy and becoming disruptors in the mortgage banking business.There are choices--strategic choices. We need to learn from these as an industry and learn to leverage these proactive solutions across mortgage banking. Our culture and industry are going through some seismic changes and it behooves us to keep up, adjust, and leverage true and active strategy against a 'shifting tide.'
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ISBN | : 9783110647952 |
Author | : E. Michael Rosser |
Publisher | : University Press of Colorado |
Total Pages | : 408 |
Release | : 2017-10-15 |
Genre | : History |
ISBN | : 160732623X |
Part economic history, part public history, A History of Mortgage Banking in the West is an insider’s account of how the mortgage banking sector worked over the last 150 years, including analysis of the causes of the 2007 mortgage crisis. Beginning with the land and railroad development acts that encouraged settlement in the west, E. Michael Rosser and Diane M. Sanders trace the laws, institutions, and individuals that contributed to the economic growth of the region. Using Colorado and the west as a case study for the nation’s economic and property development as a whole since the late nineteenth century, Rosser and Sanders explain how farm mortgages and agricultural lending steadily gave way to urban development and housing mortgages, all while the large mortgage and investment firms financed the development of some of the state’s most important water resources and railroad networks. Rosser uses his personal experience as a lifelong practitioner and educator of mortgage banking, along with a plethora of primary sources, academic archives, and industry publications, to analyze the causes of economic booms and busts as they relate to real estate and development. Rosser’s professional acumen combined with Sanders’s research experience makes A History of Mortgage Banking in the West a rich and nuanced account of the region’s most significant economic events. It will be an important work for scholars and practitioners in regional and financial history, mortgage market practice and development, government housing and mortgage policy, and financial stability and of great significance to anyone curious about the role of the federal government in national housing policy and the inherent risk in mortgages.
Author | : John M. Boyle |
Publisher | : |
Total Pages | : 112 |
Release | : 1983 |
Genre | : Banking law |
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Author | : James Deitch |
Publisher | : Walter de Gruyter GmbH & Co KG |
Total Pages | : 256 |
Release | : 2019-12-16 |
Genre | : Business & Economics |
ISBN | : 3110650479 |
Throughout history, innovators have disrupted existing financial services norms to change the landscape of the marketplace. Disruptive Fintech briefly traces fractional reserves, the creation of bank currency that traded at a premium to bullion value, central bank regulation, securitization of assets and loans, the current state of digital currency and electronic payments. The author then looks toward the future of fintech and the forces of disruption that will change the landscape of financial life as we know it. Using over 100 interviews with thought leading CEOs, this book develops a methodology to identify financial services that are ripe for innovation and discusses how innovative thinking can be used as a disruptive weapon to attack incumbents and create effective new fintech models. The book discusses How to relate historical innovations and disruptions in financial services to the current landscape How to follow a process to identify the threats facing incumbent processes and businesses, and how innovative thinking can be used as a disruptive weapon to attack incumbents and create effective new fintech models How many fintech innovations will be constructed by re-arranging or re-purposing existing core processes In this insightful book, author James Deitch, CPA CMB, argues that some of today’s high-flying fintech innovators will flourish, but many may perish as the fire of innovation consumes those fintechs that are slow to monetize their promises.
Author | : William C. Apgar |
Publisher | : |
Total Pages | : 115 |
Release | : 2004 |
Genre | : Community development |
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Total Pages | : |
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ISBN | : 9783110647976 |
Author | : Jess Lederman |
Publisher | : Irwin Professional Publishing |
Total Pages | : 0 |
Release | : 1993 |
Genre | : Business & Economics |
ISBN | : 9781557384942 |
A completely revised (23 of the 25 chapters are entirely new) comprehensive guide to the mortgage banking industry, updating and expanding the 1987 first edition. It provides an overview of mortgage banking operations and outlines strategies that mortgage bankers can utilize to compete successfully
Author | : Mortgage Bankers Association of America |
Publisher | : |
Total Pages | : |
Release | : 1958 |
Genre | : Finance |
ISBN | : |
Author | : Jess Lederman |
Publisher | : Real Estate Finance Press |
Total Pages | : 366 |
Release | : 1996 |
Genre | : Business & Economics |
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