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    HMDA: Do you have skeletons in the closet?

    By Louis Zitting on Feb 18, 2021 1:32:17 PM

    Staying ahead: How to get on top of unintentional discrimination and serve the low-to-moderate income community without taking on more risk.

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    Mortgage Portfolio Runoff Prevention

    By Louis Zitting on Mar 11, 2020 2:58:04 PM

    Past client runoff, particularly those with higher credit and lower LTVs, causes massive losses in portfolio valuations or Early Payoff (EPO) fees. Most of the time, lenders have no idea that their past client is in the market until the borrower’s new lender is ordering a payoff request. At that point it is too late.  

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