According To The Data

The Lock-in Effect Spells Opportunity for Home Equity Lending

For a solid majority of homeowners, refinancing a mortgage in today’s market would mean replacing a low-interest loan with a new one at a significantly higher rate.

READ TIME: 1 MIN

December 17, 2024

According To The Data // Insights

Winning in a Falling Rate Environment: To Finish Strong, Know Your Starting Point

With two FOMC rate cuts now behind us, Curinos Commercial Deposit Analyzer data show that commercial banks have deployed more aggressive strategies in passing betas through than in the prior falling rate cycle beginning in 2019.

READ TIME: 1 MIN

December 12, 2024

According To The Data // Insights

Small Business: Attractive for Deposits, but Getting More Competitive

With rates normalizing, the small business (SB) segment has proven to be one of the last bastions of stable low-cost deposits.

READ TIME: 1 MIN

December 10, 2024

According To The Data // Insights

Appetite for Core Customer Growth Accelerates De Novo Investment in Thinly Branched Markets

As customer and deposit growth has become more challenging, banks are looking to new markets and sub-markets to drive that growth, and de novo investments are viewed as a reliable source.

READ TIME: 1 MIN

December 5, 2024

According To The Data // Insights

Marketing’s Role in Turning Dormancy to Primacy: Lift Checking Utilization Message CTR by 450%

The availability of increased competition has led consumers to open and test banking services with multiple providers, making account primacy much more difficult to attain.

READ TIME: 1 MIN

December 3, 2024

According To The Data // Insights

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.

READ TIME: 2 MINS

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.

READ TIME: 2 MINS

November 12, 2024

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Curinos Inc. Appoints Jeff Hack as Chief Executive Officer