Category: Residential Real Estate

Image of a home with an arrow indicating rising mortgage rates

Residential Real Estate Woes, It’s Déjà vu Again

Residential mortgage loans grew by 9.6% ($214 billion) at the nation’s banks during the 12 months ending September 30, 2022. In addition, the quality of these single family mortgage loans improved significantly over the year. The non-current rate for 1-4…

Image of bubbles within bubbles and a tiny paper house in the center with the words "home loans" and a pin poking at the outermost bubble

Bubble, Bubble, Toil and Trouble

We saw an interesting article in the American Banker recently (March 25, 2022) about the “red-hot housing market” looking like 2007. There are definite similarities, no doubt. And for those of us who were around in the 1980s, it’s déjà…

Lending a Helping Hand, Sometimes Means Lending.

Loan volumes at the nation’s community banks grew over 10% during 2020. And that’s no coincidence. With help from the Government’s Paycheck Protection Plan (PPP) Program, Commercial & Industrial (C&I) Loans accounted for more than two-thirds of that growth. But…

We Analyze Banks & Credit Unions ...very carefully

Businesses Upbeat But CFPB Screams “Help”

The latest Beige Book, released March 3rd and based on information collected through February 22nd, indicates that most businesses are optimistic with the roll-out of the COVID-19 vaccine. Employment levels, already slowly on the rise, are expected to continue that…

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