First-Time Homebuyers Are Reshaping The Market
Rates and housing values are at multi-year highs, so there probably aren’t many first-time homebuyers (FTHB) entering the market, right? Not so.
READ TIME: 1 MIN
April 16, 2024
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Curinos Review Spring 2024
Retail banking fees are again under scrutiny. Our research shows that overdraft and non-sufficient funds fee revenue will continue their steady downward trend, as will credit card late fees and interchange fees. Taken together, this will make profitably serving the mass market even more of a challenge this year, particularly for community banks and credit unions.
READ TIME: 4 MINS
March 18, 2024
Curinos Review Winter 2024
Welcome to the Winter 2024 issue of the Curinos Review. The Year of Deposits. That’s how Curinos views 2024 – how to get them and how to keep them at a cost that preserves net interest margin and profitability.
READ TIME: 3 MINS
January 10, 2024
Curinos Perspective: Taking Stock Of The Rate Cycle And Its Implications
As expected, the FOMC held the Fed Funds rate unchanged at a target range of 5.25% to 5.5%. Current market expectations are that we’re at the peak rate for this cycle and that modest cuts will come through 2024.
READ TIME: 4 MINS
December 13, 2023
Curinos Perspective: Fed Holds Rates Steady Again, Home-Lending Pressures Continue
As expected, the FOMC has held the Federal Funds rate flat in a target range of 5.25% to 5.50%. But even as the Fed continues its pause, rates for home lending and deposits are likely to remain elevated. That’s because key inflation and macroeconomic indicators take time to play out, and a continuing tidal wave of low-interest renewing CDs will intensify the competition for rate shoppers.
READ TIME: 6 MINS
November 1, 2023
Data, Discipline And Technology Can Unlock Mortgage Lending’s Potential
Today’s high interest rates are taking too much of the blame for depressed home sales.
READ TIME: 7 MINS
September 21, 2023
Curinos Review Fall 2023
Welcome to the Fall 2023 issue of the Curinos Review. No one needs to be reminded that profits at many traditional banks are under intense pressure. But while unfavorable lending performance drove many past downturns, the current challenges are emanating from the liability side of the balance sheet.
READ TIME: 3 MINS
September 21, 2023
Curinos Perspective: The Risk Of “Magical Thinking” In A Fed Funds Plateau
We see complacency among many bankers who feel that a Fed plateau will ease pressures on deposit betas. Prior cycles show that betas keep climbing even after the Fed Funds rate peaks, and significant back books in both commercial and consumer are yet to reprice.
READ TIME: 6 MINS
September 20, 2023
Curinos Perspective: Fed Hikes Again, Banks Dig In For Higher For Longer
After a brief, one-meeting pause in June, the Fed’s Federal Open Market Committee (FOMC) raised the Federal Funds rate by .25% to a target range of 5.25% to 5.5%.
READ TIME: 8 MINS
July 26, 2023