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According To The Data

According To The Data, our thought leadership blog, leverages the deep research and analytical prowess of the Curinos team.

We dig down into the numbers to generate actionable intelligence for financial services professionals looking for edge in an increasingly competitive marketplace.

Concise, visual and insightful – each According To The Data post offers timely and relevant information to keep you informed about key industry trends and help you make better business decisions.

October 15, 2024

The Fintech Winter Has Given Way to Emergent Growth

The year 2023 may be considered the fintech winter, when the list of failed start-ups lengthened as banks pulled out of BaaS, venture capital funding dried up and promising new markets such as buy-now pay-later (BNPL) saw consolidation across the board.

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October 15, 2024

The Fintech Winter Has Given Way to Emergent Growth

The year 2023 may be considered the fintech winter, when the list of fai...

October 10, 2024

Fed’s First Big Cut Means (Surprise!) a Big Gain for CDs

The Fed’s 50 bp salvo in September has marked the official start of the ...

October 8, 2024

Competition for Deposits Has Slowed Branch Closings, For Now

The FDIC’s Share of Deposits data released last week reveals that the de...

October 3, 2024

Preempting Conforming Home Loan Limits Can Boost Year-End Volume

As the Federal Housing Finance Agency (FHFA) prepares to announce the 20...

October 1, 2024

Wealth Savings: A Cautionary Lesson From The Last Time Rates Fell

Hooray, the Fed is lowering rates, and anyone managing Wealth savings ca...

September 26, 2024

Falling Refi Rates Are Driving Demand and Elevated Application Pull...

As mortgage interest rates continue their welcomed descent, refinance ap...

September 24, 2024

In Unsecured Lending, Speed Can Mean Higher Profits

A lender’s intuition might reason that borrowers with the highest credit...

September 19, 2024

Rates Are Falling, And CDs Are Already Leading The Way

Now that the Fed has weighed in with a half-point rate cut, many financi...

September 16, 2024

Commercial Deposit Alert: Four Ways To Prepare For Falling Rates

As recently as April 2022, more than half of all commercial deposits wer...

September 5, 2024

The $900M Question: Have You Been Attracting New Dollars This Year?

In an era in which "personalization" is often just a buzzword, one bank ...

August 29, 2024

Nowhere is the mortgage shakeout more apparent than in the wave of mergers and acquisitions that have washed across the industry ever since interest rates started to rise. And that wave is occurring even though credit trends aren’t deteriorating significantly. Courageous buyers view the upheaval as an opportunity to enter new markets and then cut costs from overlapping operations. As these are early days, it is unclear whether these classic strategies to grab market share will ultimately succeed. If economic conditions deteriorate and credit trends weaken, some lenders may experience buyer’s remorse. What’s clear is that the industry’s trends aren’t showing any signs of recovery, with volume down 53.3% year over year. Market trends are showing lower weighted average FICOs (dropping from 760 to 745), higher LTVs (increasing from 72% to 81%). Both metrics are associated with a move away from the refinance boom and toward a stronger purchase market. This means that buyers can’t rely on new geographies to guide them to better times. Instead, lenders will need to keep charging ahead with efforts to optimize margins by using granular pricing strategies. They also must have a clear retention strategy for their mortgage servicing portfolio because recapture will represent a significant opportunity when rates start to come back down.

Lower Rates Are Prompting Changes To Mortgage Servicing

Since the start of 2023, nearly 40% of mortgages have locked in to rates...

August 27, 2024

With Rates Set To Fall, So Too Will Treasury Management Pricing

Curinos data indicate that banks have maintained or extended their robus...

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