According To The Data

Regional Pricing: With the Game Changing, Time to Leverage WAMP

At Curinos, we believe, and our data confirm, that not all markets are created equal – variation in regional (state-to-state) pricing is on the increase.

READ TIME: 1 MIN

November 21, 2024

According To The Data // Insights

Betas for This Falling Rate Cycle Will be Different

The long-awaited Fed rate reduction cycle has begun, with expectations of falling portfolio rates and NIM relief.

READ TIME: 2 MINS

November 19, 2024

According To The Data // Insights

Growth of Government-Insured Mortgages

Three years ago, government-insured loans represented about 15% of the mortgage market. Today, they’ve almost doubled, to 27%. That’s the highest level in recent memory, and it’s causing a shift in the mortgage-lending landscape.

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November 14, 2024

According To The Data // Insights

Wealth Deposits: A Return to Normalcy after a Whipsaw 2023

After 2023, a year plagued by significant runoff in Wealth deposits, 2024 has seen nominal growth of 2.45% through the end of September), versus -16.7% for the same period last year.

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November 12, 2024

According To The Data // Insights

High-Rate CD Attrition May Be Signaling What’s to Come

With the Federal Reserve initiating the falling rate cycle in September with a decisive 50 bp rate decrease, the era of banks offering a high-rate 500bp+ CDs is quickly drawing to a close.

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November 5, 2024

According To The Data // Insights

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

According To The Data // Insights

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 rate downcycle, and FIs across the industry have responded by pulling back rates on both their retail CD and savings products.

READ TIME: 1 MIN

October 10, 2024

According To The Data // Insights

Competition for Deposits Has Slowed Branch Closings, For Now

The FDIC’s Share of Deposits data released last week reveals that the decline of branches slowed to 1.4% for the year ending June 30, 2024, its lowest level over the past decade.

READ TIME: 1 MIN

October 8, 2024

According To The Data // Insights

Preempting Conforming Home Loan Limits Can Boost Year-End Volume

As the Federal Housing Finance Agency (FHFA) prepares to announce the 2025 conforming loan limits (CLL) in November, many forward-thinking lenders are raising their CLL preemptively

READ TIME: 1 MIN

October 3, 2024

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