Insights

Curinos Perspective: Impact of Falling Rates on Consumer Lending – 5 Takeaways

From “Consumer Lending In Transition: The Impact of Falling Rates,” a Curinos webinar delivered October 17, 2024, featuring Rich Martin, SVP, Retail Lending; Ken Flaherty, senior manager, Retail Lending; and Kinley Hicks, senior associate, Retail Lending.

READ TIME: 4 MINS

October 22, 2024

Insights // Webinars

Consumer Lending in Transition: The Impact of Falling Rates

As interest rates begin their descent, what effect will there be on the demand for Consumer Lending products?

READ TIME: 1 MIN

October 17, 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.

READ TIME: 1 MIN

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

According To The Data // Insights

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

Curinos Perspectives // Insights

Curinos Perspective: Down-Pricing in a Falling Rate Environment – State of the Market and 5 Strategic Imperatives

From “How to Optimize Down-Pricing in a Falling Rate Environment,” a Curinos webinar presented on September 24, 2024, in conjunction with Consumer Bankers Association and featuring Curinos managing directors Peter Serene and Robert Warnock.

READ TIME: 5 MINS

September 25, 2024

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