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

Insights // Webinars

How to Optimize Down-Pricing in a Falling Rate Environment

With the Fed cutting rates in September, banks are eagerly awaiting a reprieve in funding costs. But bringing down rates following a Fed cut comes with tactical challenges and opportunities.

READ TIME: 1 MIN

September 24, 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

Curinos Perspectives // Insights

Curinos Perspective: How To Win In Small Business – 5 Takeaways

From “How to Win in Small Business,” a Curinos webinar on September 19, 2024, presented in conjunction with Consumer Bankers Association and featuring Curinos managing director Adam Stockton and Curinos senior vice president Olivia Lui.

READ TIME: 4 MINS

September 23, 2024

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