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The Motley Fool
May 9, 2011
Cindy Johnson
Are Banks Starting Another Race to the Bottom? Easier credit standards are being driven by competition to lend. mark for My Articles similar articles
Bank Systems & Technology
June 24, 2008
Ann Grochala
In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system. mark for My Articles similar articles
FDIC FYI
June 3, 2002
Favorable Interest-Rate Environment Drives Record First-Quarter Bank Earnings Commercial banks earned a record $21.7 billion in the first quarter of 2002, besting the previous quarterly earnings record set in the first quarter of 2001 by 9.6 percent. mark for My Articles similar articles
BusinessWeek
August 27, 2009
James C. Cooper
Business Outlook: Why Credit Growth Remains Slow Banks are still skittish about offering credit, and households and companies remain reluctant to borrow, creating drags on the recovery. mark for My Articles similar articles
The Motley Fool
September 25, 2007
Buz Livingston
Dump "Liar Loans" Many lenders have either shut down or reduced their subprime lending practices in the last few months. However, isn't this a bit like closing the barn door after the horse has escaped? mark for My Articles similar articles
FDIC FYI
November 26, 2002
Quarterly Banking Profile Commercial Banking Performance, Third Quarter 2002 Gains on securities sales keep earnings near record level... Weakness in overseas operations limits industry profits... Margins improve at community banks, decline at larger institutions... Strong mortgage demand fuels growth in loans... Asset-quality problems continue to grow at large banks mark for My Articles similar articles
The Motley Fool
March 5, 2007
Dan Caplinger
Falling Into the Subprime Trap If any good comes from the bursting of the housing bubble, it will be that homeowners and borrowers may act more responsibly about buying property and taking on mortgage debt. mark for My Articles similar articles
The Motley Fool
August 10, 2006
Dan Caplinger
How the Fed Affects You Federal Reserve decisions about interest rates trickle down to everyone. mark for My Articles similar articles
FDIC FYI
February 7, 2002
Subprime Mortgage Lending Faces the Test of a Slowing Economy Entry by FDIC-insured institutions into subprime lending as a targeted line of business was largely a phenomenon of the 1990s. These lending programs are now being tested by recession, in most cases for the first time... mark for My Articles similar articles
FDIC FYI
August 29, 2002
Strong Bank Earnings Reflect Nature of U.S. Downturn Second quarter 2002 earnings results for commercial banks show that the benefits of a steep yield curve continue to outweigh the costs of higher credit losses. mark for My Articles similar articles
U.S. Banker
May 2008
As the Credit Crisis Grinds On, Lending Falls Off the Cliff The current climate for loan production might not be Great Depression 2.0, but try telling that to someone with less than perfect credit. mark for My Articles similar articles
BusinessWeek
October 28, 2010
Steve Matthews
It's Getting Easier to Get a Loan Banks, though still stingy, are starting to lend, even to small businesses. mark for My Articles similar articles
Commercial Investment Real Estate
Jul/Aug 2010
Jeffrey Wolfer
The Lending Landscape Despite the restricted market, borrowers still face many decisions when it comes to securing capital for commercial real estate projects. mark for My Articles similar articles
Commercial Investment Real Estate
Nov/Dec 2009
Steve Bram
Capital Markets Conundrum Are there viable solutions to today's financing puzzle? mark for My Articles similar articles
Commercial Investment Real Estate
Jul/Aug 2004
Brown & Weiss
The Money Race Borrowers benefit as lenders chase commercial property deals. mark for My Articles similar articles
Commercial Investment Real Estate
Nov/Dec 2010
William E. Jones
Climbing the Capital Hill Owners and investors face steep obstacles on the path to financing. mark for My Articles similar articles
U.S. Banker
December 2010
Rob Garver
SBA Aims to Attract More Banks The lower fees and higher guarantees enacted for the government s small-business lending programs have some in the industry optimistic that interest by banks might surge. mark for My Articles similar articles
The Motley Fool
October 9, 2006
Dan Caplinger
Know Your Numbers: Consumer Credit Use economic data to gain the upper hand in your investing. The Federal Reserve's consumer credit report provides some useful information about the borrowing practices of typical consumers. mark for My Articles similar articles
National Real Estate Investor
October 1, 2002
Kathleen Fitzpatrick
Taking the Floating-Rate Gamble A slow recovery in the U.S. economy has prompted more and more borrowers to bet that interest rates won't be rising anytime soon. And still others, fueled by fears of overall uncertainty, are satisfying their appetites with flexible financing. mark for My Articles similar articles
HBS Working Knowledge
August 4, 2014
Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons. mark for My Articles similar articles
The Motley Fool
May 15, 2007
Dan Caplinger
Borrow Now or Borrow Never If you're thinking about buying a home, do your homework. Find a lender or mortgage broker early in the process, and get preapproved for a mortgage that will work for you. mark for My Articles similar articles
National Real Estate Investor
February 1, 2007
Ben Johnson
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. mark for My Articles similar articles
OCC Bulletin
October 13, 1999
Interagency Guidelines for Real Estate Lending Policies New guidelines discuss the credit risks associated with high loan-to-value residential real estate lending and remind national banks that the 1992 Interagency Guidelines for Real Estate Lending Policies apply to these transactions... mark for My Articles similar articles
National Real Estate Investor
May 1, 2006
Matt Hudgins
Year of the Mega Loan Large loans and mushrooming CMBS issuance drove commercial real estate financing levels to an all-time high last year, but lenders say a slowing pace of transactions could temper loan volume as 2006 unfurls. mark for My Articles similar articles
U.S. Banker
February 2010
Glen Fest
A New Calling Two small New England banks are moving into a line of business few their size have tried. Is this the future of community banking? mark for My Articles similar articles
Commercial Investment Real Estate
Sep/Oct 2013
Jeff Rauth
Follow the Money What are today's most financeable deals? Several market forces currently at work foretell a stronger lending environment in the next 12 to 18 months. mark for My Articles similar articles
Entrepreneur
May 2008
Scott Bernard Nelson
Between Peers Could a new wave of social lending sites be a good place for your investment dollars? mark for My Articles similar articles
The Motley Fool
October 12, 2007
Dan Caplinger
Where's the Consumer Credit Crunch? Housing may be slowing, but borrowing is moving full speed ahead. Last month, figures for both revolving credit, such as credit card debt, and non-revolving debt, like car and student loans, rose. mark for My Articles similar articles
U.S. Banker
August 2008
William M. Aukamp
Real-Estate Trouble: It's DeJa Vu It seems that periodically banks get clobbered by the real-estate market. Given the periodic problems in real-estate lending, perhaps banks should consider having a real estate professional on the board. mark for My Articles similar articles
FDIC FYI
November 4, 2003
Puwalski & Williams
Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside. mark for My Articles similar articles
FDIC FYI
March 28, 2002
Housing Market Strengths and Risks A report released today in the FDIC's Regional Outlook evaluates changes in mortgage underwriting during the last expansion, and the likelihood that weakening home price growth could adversely affect home borrowers and lenders... mark for My Articles similar articles
OCC Bulletin
January 13, 2006
Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices Agencies seeking comment on proposed guidance for concentrations in commercial real estate (CRE) lending and sound risk management practices. mark for My Articles similar articles
The Motley Fool
April 25, 2011
Morgan Housel
Why Big Banks Are Cheap Loans dropping; watch out below! mark for My Articles similar articles
OCC Bulletin
September 8, 2005
Residential Tract Development Lending Document designed to assist institutions in complying with joint agencies' appraisal and real estate lending requirements for financing residential tract developments. mark for My Articles similar articles
Commercial Investment Real Estate
Sep/Oct 2003
Peltin & Swibel
Lenders Tighten Loan Standards in Reaction to Uncertain Economy With interest rates at record lows, demand for new mortgage loans remains strong. However, in today's anemic economic climate, lenders face increased risk of making non-performing loans. Commercial lenders have implemented new safeguards and follow stricter policies to minimize exposure. mark for My Articles similar articles
Commercial Investment Real Estate
Jul/Aug 2013
Elizabeth Braman
2013 Midyear Financing Report With an abundance of available capital, the first half of 2013 showed plenty of healthy competition to finance commercial real estate. Will this trend continue? mark for My Articles similar articles
FDIC FYI
February 27, 2002
Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans... mark for My Articles similar articles
U.S. Banker
February 2009
Joseph Rosta
Credit Markets Cooler But By No Means Frozen The relative robustness of the credit market can be seen in both the business and consumer sectors. mark for My Articles similar articles
AskMen.com
March 4, 2001
Luis Rodrigues
The Truth About Bank Loans When the time comes to borrow money from the bank to buy a house, a car or start a business, people still get extremely stressed about meeting with the banking loans officer... mark for My Articles similar articles
The Motley Fool
June 7, 2011
Cindy Johnson
More Evidence Banks May Be Starting Another Race to the Bottom Defaulted on your mortgage recently? They'll consider you for a loan. mark for My Articles similar articles
The Motley Fool
August 18, 2009
Morgan Housel
Still Waiting for Early Signs of a Banking Recovery A look at the Federal Reserve's recent quarterly delinquency report shows loan delinquencies are not only not stabilizing, but also still growing at a fierce clip. mark for My Articles similar articles
National Real Estate Investor
May 1, 2008
Ben Johnson
Regulators Turn Up Heat On Local Banks Community and mid-size banks, which comprise the bulk of all commercial real estate lending in this country, are once again under the watchful eye of regulators. mark for My Articles similar articles
U.S. Banker
November 2005
Wading Through HMDA-Data Muck What does the new Home Mortgage Disclosure Act data show about banks' lending practices when it comes to racial, ethnic and gender differences? It's clear what it says, but it's not clear what it means. mark for My Articles similar articles
The Motley Fool
February 1, 2010
Morgan Housel
Banks Aren't Lending? Says Who? The popular chant that "banks aren't lending, banks aren't lending!" is grossly misconstrued. mark for My Articles similar articles
BusinessWeek
March 19, 2007
Peter Coy
Under The Fed's Hammer How Fed rate hikes have turned into a regressive tax on weak borrowers. mark for My Articles similar articles
National Real Estate Investor
January 1, 2005
Matt Hudgins
Leaping Through The Lending Trough According to the normal rhythms of the real estate industry, the first years of this decade should have been a slow period for lenders. To the delight of the mortgage industry, it hasn't worked out that way. mark for My Articles similar articles
National Real Estate Investor
June 1, 2005
Kingsley Greenland
Why Liquidity Should Help You Sleep Better There is no crystal ball that can predict the next lending squeeze, or if one will even occur. What is certain however, is that greater liquidity in the secondary market for commercial real estate loans is an important safety valve for the entire industry. mark for My Articles similar articles
FDIC FYI
April 11, 2002
Economic Conditions and Emerging Risks in Banking The report describes recent signs of a consumer-led recovery in the U.S. economy that may have begun in the first quarter... mark for My Articles similar articles
Bank Director
4th Quarter 2010
Jack Millligan
A Short Leash on Risk Bankers all across the country are beginning to tighten up their lending practices as a response to the regulatory pressure they are under to keep lending plain, conservative, and firmly under control. mark for My Articles similar articles
CFO
March 1, 2009
Vincent Ryan
The Big Freeze CFOs hope government intervention will soon thaw frozen credit markets. That's not likely. mark for My Articles similar articles