Garnet Capital Advisors - Garnet Capital Advisors Blog

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Commercial

Community Banks Are Growing More Cautious of Small Business Loans

August 29, 2022

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Uncertainty about the future of office leasing in the wake of the pandemic appears to be stabilizing, with investors showing optimism that office space needs will again increase despite continued setbacks with each new variant.
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Commercial

As Uncertainty Stabilizes, Optimism Returns to Office Space Leasing Sector

February 14, 2022

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There comes a time in every economic cycle when it is relevant and prudent to review the assets on one's books and determine which assets should stay and which should go. The economy is so turbulent at this time that it is the perfect moment to contemplate the relevance and profitability of various assets to try to remain financially solvent and thriving. Many banks are active in the process of reviewing their books as we speak, and they are surely contemplating the necessity of offloading some of their underperforming assets. Fortunately for the banks, right now is the ideal time to be in the market for selling off certain assets that might be underperforming or otherwise causing a drag on the balance sheet. There is a lot of capital ready to go to work purchasing up some of these less than ideal assets. We want to take a look now at some intricate economic factors at play and how banks can best position themselves going forward.
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Commercial

Capital Available to Purchase Bank Special Assets

July 27, 2021

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Smaller banks are using the MSLP as a way to attract larger commercial clients as bigger banks appear to stick only to serving existing clients.
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Commercial

Small Banks Are Grabbing Commercial Business

September 17, 2020

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Credit unions have stringent restrictions to comply with when it comes to commercial lending. Considering this, these financial institutions may want to focus more on consumer loans, and Garnet Capital can help.
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Commercial

Credit Union Restrictions on Commercial Lending Increases Focus on Consumer Loans

July 22, 2020

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Commercial loan portfolios are seeing spikes in delinquencies due to financial troubles sparked by the COVID-19 pandemic, leaving bank special servicers and commercial lenders to seek out strategies - such as loan sales - to ease the workload.
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Commercial

Banks and Special Servicers Brace for a Deluge - And Loan Sales Can Help

May 20, 2020

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The equipment finance industry is undergoing stress as a result of the COVID-19 pandemic, and loan sales are one way to deal with these issues.
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Commercial

How COVID-19 Is Impacting the Equipment Finance Industry

May 1, 2020

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Banks and credit unions are keeping a close eye on C&I loans as delinquencies and defaults increase, particularly in the energy sector. But once they become "criticized assets" these loans can still be sold into a robust loan-buying market to minimize the reporting of bad loans on financial institutions' balance sheets.
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Commercial

Banks Scrutinize C&I Loans as Delinquencies and Defaults Rise

January 21, 2020

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Commercial Industry Outlook

A Large Bank Has Announced It Will Exit a Sector

October 18, 2019

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Digitization is on the rise in all facets of lending, including small business lending. Banks and credit unions can take advantage of what this can do for their bottom line and enter this space by teaming up with the right partner that has these types of loans available.
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Commercial

Digitization on the Rise in All Facets of Lending

September 27, 2019

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Certain California lenders that carry out commercial financing transactions will soon be subject to more regulations under the new Commercial Financing Disclosures law, which resemble the types of disclosures applicable to consumer lending.
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Commercial

Small Business Lending May Mirror Consumer Lending Moving Forward

September 16, 2019

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Issues are creeping up in the lending sphere when it comes to credit quality, which makes now a good time for banks and lenders to review and adjust their loan portfolios.
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Commercial

Why Now Is a Great Time to Prune Your Portfolio

August 22, 2019

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Foreclosures on places of worship are on the rise, placing lenders in a uniquely precarious position to save their books without being represented in a negative light.
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Commercial

Church Foreclosures Are on the Rise -- Here's What Lenders Need to Know

May 15, 2019

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If warning signs are on the horizon, what portfolio adjustments should you be making today?
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Commercial Economy / Rates

How to Respond to Weaker Loan Demand

March 15, 2019

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Commercial

Improving Commercial Credit Quality Signals Opportunity to Sell Special Assets

September 7, 2018

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Commercial

Commercial and Industrial Lending On the Rise

June 1, 2018

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Commercial

Commercial Loan Market Slows

July 12, 2017

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Commercial

Banks Tighten Lending Standards for CRE Loans

May 25, 2017

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Commercial

Commercial Real Estate Lending Declining

April 27, 2017

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Commercial

CRE Over-Concentration Concerns: Loan Sale Solutions

April 24, 2017

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Commercial

Commercial Loan Origination: Making Improvements

April 13, 2017

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Commercial

Banks Reposition Their Commercial Loan Portfolios

February 15, 2017

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Commercial

New Norm: Routine Selling of CRE Loans

December 13, 2016

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Commercial

Commercial Real Estate and Small Banks: No More Mainstay

October 18, 2016

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Commercial

Waning Demand for Commercial Loans

September 21, 2016

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Commercial

CRM Bubble: Is It Real & What Does It Mean?

August 23, 2016

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Commercial

Regulators Are Watching Banks With Large CRE Portfolios

August 1, 2016

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Commercial

Banks Downsizing from the Business of Mortgages

February 29, 2016

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Commercial

Lenders and the Small Business Loan Market

October 27, 2015

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Commercial

Commercial Loan Portfolio: Banking Trends

October 5, 2015

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The gradual improvement of the economy makes it somewhat surprising that levels of bad loans remain above where they were before the Great Recession. And the rock-bottom interest rates that allowed bankers to keep carrying these loans funded with low-cost capital are about to end.
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Commercial Residential

Inventory of bad loans remains as interest rate hike looms

September 25, 2015

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When regulators from the Federal Reserve, Federal Deposit Insurance Corp. and Officer of the Comptroller of the Currency got into the same room with roughly 40 energy bankers, the sparks reportedly flew.
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Commercial

Regulators raise red flags over energy loan risk

September 24, 2015

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A new report showed that commercial real estate portfolios are carrying their highest loan-to-value ratios since before the financial crisis.
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Commercial

Does spike in commercial real estate loan-to-value ratios bode bubble?

September 14, 2015

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Big news to hit the real estate sector recently is real estate and rental marketplace Zillow's acquisition of dotloop, a digital transaction management firm. While this is exciting for members of the real estate industry, the pairing will actually have a more widespread impact.
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Consumer L.. Trending Commercial

Zillow, dotloop pairing a sign of the future

August 21, 2015

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Across the country, nearly all banks make a significant portion of their income via fees, from overdraft fees to ATM surcharges and more. But, it doesn't have to be this way.
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Trending Commercial

One bank shows how high fees aren't needed to turn a profit

August 20, 2015

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Following the rash of recent economic reports from financial institutions, loan sales have emerged in the past several quarters as an important strategy to promote business growth and development.
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Commercial

Loan sales prove growth opportunity for banks

August 11, 2015

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Customer loyalty is what a new startup - ZipCap - is banking on with its version of marketplace lending.
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Trending Commercial

New marketplace lending angle uses loyalty as collateral

July 21, 2015

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The second-quarter reports for major financial institutions are in, and the results are mixed bag of good news, bad news and optimism.
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Consumer L.. Trending Commercial

A mixed bag for banks' Q2 reports

July 20, 2015

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Commercial Trending

Banks Making More Commercial Loans to Businesses

June 15, 2015

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Overall, online lending has proven to be beneficial for a certain type of borrower, but investors should be aware of the risks involved.
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Consumer L.. Trending Commercial

Investing with online lenders requires careful consideration

April 30, 2015

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The banking sector has been benefiting from strong mergers and acquisitions activity, as economic conditions continue to improve and financial institutions look toward consolidation as a means of cutting costs, meeting capital requirements and even diversifying their businesses.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Bank M&A heats up

April 29, 2015

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While they are frequently identified as being competitors of banks, marketplace lenders have asserted repeatedly that they want to work with these more traditional financial institutions.
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Pricing Consumer L.. Trending Regulatory.. Commercial C/O and BK

Marketplace lenders can partner with banks

April 28, 2015

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Home Bancshares recently took an innovative approach to bolstering loan growth, buying nearly $300 million worth of national commercial real estate loans. The Conway, Arkansas-based bank was able to snap up this loan portfolio after Doral Bank's failure, purchasing it from private equity firm J.C. Flowers & Co.
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Pricing Trending Regulatory.. Commercial

Home Bancshares takes creative approach to loan growth

April 27, 2015

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Online lending marketplace Lendio recently raised more than $20 million through a funding round led by Napier Park Financial Partners. South Jordan, Utah-based Lendio, which uses innovative technology to connect small businesses with lenders, plans to use the money to enhance its relationships with lenders, invest in improving its online resources and expand its partnership program.
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Pricing Trending Regulatory.. Commercial

Lendio raises $20 million to invigorate online lending

April 27, 2015

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Many banks are making major changes as they take steps to comply with the liquidity coverage ratio, including selling off assets and running off deposits that do little to help them meet the requirement.
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Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Banks face challenges complying with LCR requirements

April 23, 2015

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The valuations of technology startups have been surging as hedge funds and mutual funds pour money into this space in an effort to profit from the next big thing. Many institutional investors have taken an interest in technology startups, hoping to select the right ones and then profit when they hold an initial public offering.
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Pricing Trending Commercial C/O and BK

Tech startup valuations surge

April 21, 2015

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Regional banks have been putting significant effort into either raising the threshold for being deemed systemically important - which currently stands at $50 billion - or scrapping the level completely.
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Consumer L.. Trending Commercial Residential C/O and BK

Regional banks protest $50 billion SIFI threshold

April 21, 2015

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Loan demand has been rising all over the nation, according to figures provided in the Federal Reserve's March Beige Book. The Fed report revealed that most regions have been enjoying promising economic conditions, and banking activity stood out as a strong point in many cases.
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Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Loan demand keeps climbing

April 19, 2015

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Puerto Rico's banking industry has undergone some seismic shifts in the aftermath of Doral Bank's failure earlier this year. While this troubled bank entered receivership, several competitors benefited from the situation, bolstering their market share by snapping up its branch locations, loans, deposits and mortgage servicing rights.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Puerto Rico banking industry faces uncertain future

April 16, 2015

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Sterling Bancorp, one of the largest lenders doing business in the payroll lending market, recently acquired Damian Services Corporation, which provides payroll-related services to staffing firms. By making this purchase, Sterling will grow its client base, expand its lending capacity and open up new possibilities to earn fees in specialty finance, according to American Banker.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Sterling Bancorp makes strategic acquisition

April 13, 2015

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PacWest Bancorp recently announced an agreement to purchase Square 1 Financial, Inc., a lender that focuses primarily on the technology industry. Pursuant to this deal, Square 1 bank, owned by Square 1 Financial, will merge into Pacific Western Bank, a Los Angeles subsidiary of PacWest Bancorp.
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Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

PacWest agrees to buy Square 1

March 29, 2015

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Pinnacle Bank recently purchased a minority stake in an online health care lender, and this strategic move should provide the Nashville-based bank with numerous benefits. Pinnacle Bank, a subsidiary of Pinnacle Financial Partners, Inc., made this move at a time when traditional banks are facing numerous headwinds and online lending has been experiencing impressive growth. Garnet Capital believes this is a positive trend and is helping other banks and lenders create partnerships.
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Trending Regulatory.. Commercial C/O and BK

Pinnacle's investment example of innovative bank venture

March 28, 2015

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While small business lending fell sharply after the financial crisis, there are signs this crucial activity is gaining steam. This development presents banks with new opportunity, but they should know the market has changed significantly, and many non-bank lenders have sprung up to fill the higher demand for small business loans, according to American Banker.
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Pricing Trending Regulatory.. Commercial C/O and BK

Rising small business lending presents great opportunity

March 28, 2015

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America's millennials could potentially represent a huge market for alternative banking, according to the results of the most recent FICO survey. Financial institutions looking to stay abreast of the latest shifts in the rapidly changing banking industry might benefit substantially from gathering further detail on these customer preferences.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Millennials a huge market for nontraditional lending

March 25, 2015

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Consumer Financial Protection Bureau Director Richard Cordray took a minute to delve into some of the agency's current concerns, as well as the disagreements its staff are having.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

CFPB's Cordray helps shed light on agency's plans

March 3, 2015

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Community banks need to either innovate or face extinction in the current environment, according to several industry participants who spoke at the American Bankers Association's National Conference for Community Bankers.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Community banks must innovate or perish

March 3, 2015

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Regulators shut down Doral Bank on Friday, Feb. 27, after the financial institution faced a string of challenges including a dispute surrounding a tax refund, government investigations and sharp declines in stock prices. The Office of the Commissioner of Financial Institutions of Puerto Rico announced in a statement Friday that it had appointed the Federal Deposit Insurance Corporation receiver.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Regulators close failing Doral

March 2, 2015

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Federal Reserve Chair Janet Yellen testified before lawmakers on Tuesday, Feb. 24, providing greater clarity on the central bank's timeline for boosting benchmark interest rates.
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Pricing Consumer L.. Commercial Residential C/O and BK

Yellen sheds light on interest rate outlook

February 24, 2015

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Many banks have been focusing on deposits in the current environment, building up these resources instead of taking on additional credit risk. This approach reflects a more conservative stance, as financial institutions are unsure when the Federal Reserve will opt to push its benchmark interest rates higher.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Banks turn to deposits ahead of Fed rate hikes

February 24, 2015

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Major banks, already facing a tough environment, have been encountering an additional headwind stemming from the dollar's sharp rally. The currency's recent appreciation, along with proposed capital guidelines, could make US banks seem bigger relative to their European counterparts.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Rising dollar creates another speed bump for major banks

February 23, 2015

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Doral Financial's problems only seem to be getting worse. While the Puerto Rico-based holding company was able to improve its financial position late last year by attaining a legal victory, it has been encountering rising pressure from regulators, according to American Banker.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Doral problems worsening

February 23, 2015

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Mergers and acquisitions activity involving banks has been increasing, and this momentum has grown to include not only smaller banks in the U.S., but also midsize and international financial institutions.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Bank M&A activity is heating up

February 18, 2015

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Banks could run into challenges generating revenue growth as their ability to tap into loan-loss reserves deteriorates.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Bank revenue under pressure

February 18, 2015

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Lending Club recently announced a partnership with Alibaba Group whereby the peer-to-peer lender will provide small businesses with lines of credit for purchasing Chinese goods through the e-commerce giant's online marketplace.
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Pricing Trending Commercial C/O and BK

Lending Club and Alibaba announce partnership

February 13, 2015

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BlackRock is planning to securitize loans purchased via internet origination channels.
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Pricing Consumer L.. Trending Regulatory.. Commercial C/O and BK

BlackRock looks to securitize purchased P2P loans

February 11, 2015

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New York Community Bancorp, Inc. has been generating many benefits by selling assets, keeping its balance sheet below the $50 billion mark and improving its financial results in the process.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

New York Community Bancorp strengthens balance sheet through asset sales

February 9, 2015

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The U.S. economy encountered some challenges during the fourth quarter, as weakness abroad and tepid business spending combined to limit fourth-quarter growth.
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Consumer L.. Trending Commercial Residential C/O and BK

US economy encounters headwinds during fourth quarter

February 4, 2015

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The recent announcement that Los Angeles-based City National has agreed to be acquired by Royal Bank of Canada could be a game changer for other banks in the region, providing them with stronger opportunities to find clients or buyers.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

City National sale watershed event for Southern California banks

February 4, 2015

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A handful of innovative banking startups have been working on creating lending algorithms that consider more than the traditional variables such as one's credit score. Amid this push, companies are developing risk evaluation methods that account for how much time an applicant spends reading terms and conditions or whether they only use capital letters when filling out forms, The New York Times reported.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Innovative startups focus on lending algorithms

February 2, 2015

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Banks are striving to generate loan growth amid stiff competition and low interest rates. At the same time, analysts and shareholders are pressuring these financial institutions to reign in their expenses where possible, according to American Banker.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Banks struggle to generate loan growth

January 29, 2015

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Many banks have been reporting falling interest income in the current environment of low rates and tight competition.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Banks suffer falling interest income

January 28, 2015

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Banks have had a hard time generating satisfactory earnings growth lately, and this difficulty could easily continue in 2015. Banks both large and small have suffered these challenges, as the major financial institutions and the regional ones have been reporting lackluster earnings so far this year. Legal costs and compressed loan margins are the major drags for the larger banks. Community banks are also feeling the pinch in generating good quality assets.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Banks face uphill battle with earnings

January 27, 2015

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U.S. economic conditions continue to improve at a time when the nation is benefiting from increased growth, falling energy costs and sustained job creation.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

US economic conditions enjoy continued improvement

January 21, 2015

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U.S. economic conditions have been steadily improving, and this development has helped bolster the performance of major banks such as Wells Fargo, whose executives have been rather vocal about how much faith they have in the nation's recovery.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Improving economic conditions increase loan volume and performance, for now

January 20, 2015

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The Swiss National Bank eliminated its cap on the euro-franc exchange rate Jan. 15, at a time when the global currency markets are experiencing sharp volatility and central banks across the world are using increasingly divergent monetary policy.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Swiss National Bank scraps peg to Euro amid economic uncertainty

January 19, 2015

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While many U.S. consumers have been benefiting significantly from sharply dropping oil prices, they may find they have even more money in their pockets after the Federal Housing Administration's recent decision to reduce its annual premiums.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Broad market developments could affect loan portfolios

January 13, 2015

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Fintech startup Larky has been taking an innovative approach with its mobile applications, marketing them directly to banks so they can be used to provide consumers with discounts and offers from local stores.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Innovative startup offers location-based consumer apps to banks

January 12, 2015

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The Consumer Financial Protection Bureau has been quite active in recent years, and there is no sign that this trend will stop in 2015.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

CFPB's agenda to remain ambitious this year

January 7, 2015

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The banking industry is encountering various disruptive forces - including stiff regulations, the proliferation of online lending and innovative new lending activities - that bankers should monitor if they want to capitalize on existing opportunities.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Bankers can profit from being aware of disruptive forces

December 26, 2014

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American Banker recently named marketplace lending its Innovation of the Year.
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Pricing Consumer L.. Trending Regulatory.. Commercial C/O and BK

American Banker names marketplace lending Innovation of the Year

December 18, 2014

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Many banks have been encountering challenges in their efforts to originate high-quality loans, but have been taking steps to compensate for this situation.
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Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Banks are finding it difficult to generate prime loans

November 20, 2014

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While some banks may feel challenged by their constantly-changing environment, the situation grants them an opportunity to better their reputation and stand out from the competition, two experts wrote recently in an American Banker opinion piece.
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Pricing Trending Regulatory.. Commercial Residential C/O and BK

Rapidly-changing environment provides strong opportunity for banks

November 18, 2014

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The legal fees plaguing major banks continue to climb higher, and nobody knows when these financial institutions will get past these challenges.
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Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Legal challenges pile up at major banks

November 14, 2014

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Sterling Bancorp and Hudson Valley Holding Corp. announced a definitive merger agreement on Nov. 5, which would create a larger combined entity catering to consumers and small - to medium-sized businesses in the New York metropolitan area.
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Consumer L.. Trending Commercial Residential C/O and BK

Sterling Bancorp and Hudson Valley to merge, create larger regional entity

November 6, 2014

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U.S. Bancorp CEO Richard Davis has been offering some fairly rosy views of the economy, predicting that growth will accelerate sharply next year.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Major bank executive predicts economy will take off in 2015

October 23, 2014

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The revenue banks are generating from customer-account fees has dropped sharply, stemming from changes in consumer behavior and new regulations created to protect account holder interests.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Customer-account fee revenue plunges at banks

October 20, 2014

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The Office of the Comptroller of the Currency recently published final risk management and governance guidelines for major financial institutions, giving them different expected timelines for compliance based on their size.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

OCC finalizes heightened standards

October 20, 2014

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The value of many assets around the world - including real estate, stocks and bonds - has been rising, and several market participants have warned they have grown inflated and approach bubble status.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Asset values surge amid central bank stimulus

September 30, 2014

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Commercial lending has improved steadily over the last several years, but this recovery has certainly encountered some obstacles along the way.
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Pricing Trending Commercial

Commercial lending hits some speed bumps over the summer

September 25, 2014

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Banks are on a mission to increase their loan income, and their desire to meet this objective has helped fuel mergers and acquisitions.
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Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Banks thirsty for loan income step up M&A activity

September 18, 2014

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Banks could generate more revenue by adding P2P originations to their branch originations, according to a study recently released by research firm Cognizant.
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Consumer L.. Trending Commercial C/O and BK

Banks could bolster top line by partnering with P2P lenders

August 29, 2014

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Credit union lending ramped up in May and June, according to recent reports from the Credit Union National Association.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Credit union lending heats up in May and June

August 26, 2014

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Fledgling startup companies could one day dominate the banking industry, financial expert Richard Magrann-Wells wrote in a recent American Banker piece.
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Pricing Consumer L.. Regulatory.. Commercial Residential C/O and BK

Startups could one day dominate the banking industry

August 26, 2014

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JPMorgan Chase recently caused a stir by announcing that utilization rates for its commercial credit lines moved higher in the first half of this year.
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Pricing Trending Commercial

JPMorgan's rising commercial utilization could signal pickup in growth

August 25, 2014

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Bank mergers and acquisitions have surged lately, as the industry struggles to overcome numerous headwinds including a challenging compliance environment, higher capital requirements and the proliferation of alternative lending.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

Bank M&A activity heats up amid myriad challenges

August 19, 2014

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New financial product structures are growing in availability, and a great deal of the finance industry's innovation centers around this trend, former Citigroup chief executive Vikram Pandit recently told American Banker. Amid this situation, Pandit highlighted a key opportunity.
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Consumer L.. Trending Commercial Residential C/O and BK

New financial product structures are spreading like wildfire, says Citi's Pandit

August 18, 2014

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The Office of the Comptroller of the Currency recently took action to clarify best practices surrounding debt sales when it issued guidelines on Aug. 4.
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Consumer L.. Trending Regulatory.. Commercial Residential C/O and BK

OCC sheds light on debt sales with latest guidance

August 12, 2014

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Concerned that traditional underwriting methods are leaving some would-be borrowers behind, peer-to-peer lender Upstart has responded by developing a unique process to vet credit applicants.
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Consumer L.. Trending Regulatory.. Commercial C/O and BK

P2P lender Upstart takes innovative approach to credit

July 29, 2014

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Sam Hodges, the CEO of innovative P2P lender Funding Circle USA, recently sat down for an interview with writer David Gustin of Spend Matters Network.
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Trending Commercial C/O and BK

Funding Circle USA supplies small business with innovative lending solutions

July 25, 2014

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In a recent report, the Office of the Comptroller of the Currency warned banks about the credit risk that is steadily accumulating because of their willingness to provide loans easily.
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Pricing Consumer L.. Trending Commercial C/O and BK

OCC warns banks about growing credit risk

July 15, 2014

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LendingClub Corp., the largest peer-to-peer lender in the U.S., has started preparing for an initial public offering, selecting major investment banks Morgan Stanley and Goldman Sachs Group Inc. to lead the sale, individuals familiar with the situation told The Financial Times.
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Pricing Consumer L.. Trending Commercial C/O and BK

LendingClub gearing up to go public, say insiders

July 1, 2014

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Many consumers have lackluster feelings about the economy or their household income, according to the results of a recent Fannie Mae poll.
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Pricing Consumer L.. Trending Commercial

Fannie Mae poll: Weak consumer sentiment hampers housing market

June 17, 2014

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Younger people are more likely to consider alternative banking, according to the results of a recent Accenture survey.
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Pricing Consumer L.. Trending Commercial Residential C/O and BK

Younger people far more open to alternative banking, says Accenture survey

June 13, 2014

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Regulators have been intensifying their scrutiny of banks, and more specifically the relationships these institutions have with their vendors.
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Consumer L.. Trending Regulatory.. Commercial Residential

Regulators are turning up heat on bank use of vendors

June 12, 2014

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The Bank Director's 2014 Risk Practices Survey recently provided some insight into the risk management challenges that lending institutions are facing.
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Pricing Consumer L.. Trending Regulatory.. Commercial Residential

2014 Risk Practices Survey details bank risk management

June 5, 2014

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The Federal Deposit Insurance Corp. recently released its Quarterly Banking Profile, and this report contained data indicating that loan origination could increase sharply in the near future.
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Consumer L.. Trending Commercial Residential C/O and BK

FDIC data points to increased loan origination in coming quarters

May 29, 2014

Excerpt:

Lenders identified Consumer Financial Protection Bureau mandates as their single greatest compliance challenge in a recent QuestSoft survey.
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Pricing Consumer L.. Trending Commercial C/O and BK

Lenders cite CFPB regulations as top compliance concern in recent industry survey

May 21, 2014

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Commercial and multifamily mortgage loan originations fell during the first quarter, according to figures contained in a recent Mortgage Bankers Association report.
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Pricing Trending Commercial C/O and BK

Commercial and multifamily mortgage originations decline in first quarter

May 15, 2014

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Larger lenders have been approving a higher fraction of applications for small business loans, taking market share away from banks with a more modest scope.
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Pricing Trending Commercial C/O and BK

Big bank approval of business loans moves higher

May 13, 2014

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Commercial and industrial loan origination moved higher during the first quarter, according to Federal Reserve data.
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Pricing Trending Commercial C/O and BK

Fed survey shows rising C&I loan origination

May 6, 2014

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Americans have changed how they harness credit card debt, a financial consulting firm stated recently, and these new practices could potentially constrain loan sales by reducing the supply of available debt.
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Consumer L.. Trending Commercial Residential

New view of credit card debt could constrain loan sales by affecting supply

April 30, 2014

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New York City's economy keeps getting stronger, according to the recent improvement in many economic indicators.
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Commercial

NYC economy continues to grow stronger

April 28, 2014

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Several measures of consumer delinquency fell during the fourth quarter of last year, according to a survey conducted by the American Bankers Association.
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