According To The Data

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

Hooray, the Fed is lowering rates, and anyone managing Wealth savings can breathe a sigh of relief, right? Not so fast. Let’s take a walk down memory lane to 2019. What happened then could be instructive.

READ TIME: 1 MIN

October 1, 2024

According To The Data // Insights

Falling Refi Rates Are Driving Demand and Elevated Application Pull-Through

As mortgage interest rates continue their welcomed descent, refinance applications have surged – up 83% month over month in August alone, according to Curinos’ LendersBenchmark Application Index.

READ TIME: 1 MIN

September 26, 2024

According To The Data // Insights

In Unsecured Lending, Speed Can Mean Higher Profits

A lender’s intuition might reason that borrowers with the highest credit scores will qualify for the industry’s lowest rates and will therefore be among the most price sensitive.

READ TIME: 1 MIN

September 24, 2024

According To The Data // Insights

Rates Are Falling, And CDs Are Already Leading The Way

Now that the Fed has weighed in with a half-point rate cut, many financial institutions are under even greater pressure to drop rates to boost sagging profit margins, and so far rates on CDs have led the charge.

READ TIME: 1 MIN

September 19, 2024

According To The Data // Insights

Commercial Deposit Alert: Four Ways To Prepare For Falling Rates

As recently as April 2022, more than half of all commercial deposits were in non-interest-bearing or analyzed accounts with low ECRs.

READ TIME: 2 MINS

September 16, 2024

According To The Data // Insights

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

In an era in which "personalization" is often just a buzzword, one bank is leveraging true personalization capabilities to achieve material results.

READ TIME: 2 MINS

September 5, 2024

According To The Data // Insights

Lower Rates Are Prompting Changes
To Mortgage Servicing

Since the start of 2023, nearly 40% of mortgages have locked in to rates of more than 6%. Now, with the prospect of lower rates on the horizon, the mortgage industry is increasingly shifting to refinancing – for the first time in several years.

READ TIME: 1 MIN

August 29, 2024

According To The Data // Insights

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

Curinos data indicate that banks have maintained or extended their robust 5.4% treasury-management (TM) price increases that they put in place in January 2024, even despite flat and even declining volumes.

READ TIME: 2 MINS

August 27, 2024

According To The Data // Insights

Sweeps Can No Longer
Be Swept Under The Rug

Cash sweeps are the portion of uninvested cash that is automatically transferred into what is intended to be a higher interest-earning FDIC-insured deposit account at the close of each business day.

READ TIME: 2 MINS

August 22, 2024

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