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The article discusses the soundness of farm and home mortgage portfolios for life insurance companies, specifically farm loans, residential mortgages, and loans on apartments and business properties. The article details the features of these different investments and discusses the impact of the depression and the resulting government intervention intended to manage the crisis. In the case of insurance companies, government intervention was of little benefit. Insurance companies made appropriate adjustments to enjoy a satisfactory return on investment, including the introduction of monthly loan payments. Backed by the insurance of loans by the Federal Housing Administration, the article argues that mortgage loans have proven a good investment for the insurance industry.

This article examines the practices and opinions of the financial community regarding lease obligations in the United States. The article discusses the effect of a company's lease obligations, the incidence and effectiveness of restrictions against leasing in corporate loan agreements, and presents a financial analysis of lease obligations. The article also presents responses to a questionnaire survey of financial analysts from insurance companies, commercial banks, investment banks, fund trustees, and rating companies.

The article refers to mortgage debt in the United States and to a study in Massachusetts concerning mutual savings banks' mortgage portfolios. In the period of 1931-1945, the Massachusetts lenders' net losses on foreclosures was about 27% of the aggregate principal and the charge-offs were at 60%. The banks could have reduced their losses by setting up mortgage reserves on a systematic basis. There are seven favorable and four unfavorable factors that will affect mortgage lenders if there is another market collapse. Topics include conditions that signaled a downturn in the real-estate market before the 1929 financial crisis, data showing indebtedness for urban real property since 1925, the amount of new debt accumulated in the postwar years, and trends in long-term private debt.

The article discusses the valuable aspects of commercial mortgage-backed securities (CMBS) that are profitable for investors in the U.S. The author observed that as more defaults for traditional investors in subordinate tranches, commercial real estate (CRE) loan portfolios could be a good investment for buyers. The author highlighted investors that utilized current valuations and those who hold onto overvalued paper.

The article offers information on the banking industry and loans for oil field projects in Texas. It states that Texas banks are having more losses on energy loan portfolios particularly InterFirst Corp. with a record of 194 million dollar loss. It says mentions the lateness of bank holding companies to recognize loan losses. It adds that RepublicBank Corp. has offered 51.1 million dollars hefty premium for the privilege of taking over the loans and deposits of the bank.

The article discusses the real estate market of New England region in the U.S., which began to decline in 1987 because of lowering asking prices and rising vacancy rates. Topics covered include the real estate boom that started in 1983 due to strong New England economy, the effect of the slowing-down real estate market on loan portfolios of banks who took advantage of the real estate boom in New England, and the impact of the declining real estate market on regional lenders.

The article offers information on loan portfolio in the U.S. James C. Miller III, director of the Office of Management and Budget (OMB), said that private investment bankers would be allowed to package a federal agency's loans for resale to investors. The OMB drive is to realize more cash from huge loan portfolio makings of a bad deal for taxpayers. Furthermore, the OMB is considering to sell some of the defaulted student loans.

In this article the authors present a simplified version of a procedure to estimate the intrinsic value of the Making Home Affordable program of U.S. President Barack Obama in the country. They offer insights on how the program will affect the investors' cash flows and loan portfolios if they will take part in the initiative. They offer information on the two options offered by the Making Home Affordable initiative to prevent foreclosure which are refinancing and loan modification.

The article discusses the second of two-part series of order for junk bonds in the U.S. Barclays Capital Inc., is one of the aspiring contender on making integrated formula on leverage finance business. The different types of loan markets as well as bonds are discussed. Moreover, the high yield officials present the importance of hedge funds in restructuring finance invest. Lastly, they able to identify the consequences of both buyers and investors in dealing high yield investments.

The article focuses on the innovative ways initiated by credit unions (CUs) in the U.S. to rebuild the struggling automobile loan portfolios in the nation. It notes that automobile loan portfolios, which is vital for CU lending, has been losing 15 billion dollars since 2006. It also discusses the efforts of CUs to improve it which include making it easy for loan shoppers to access the CU and creating awareness about the CU's presence in Facebook.

The article informs about the U.S. Small Business Administration (SBA) which is entrusting its lending responsibility to private sector due to increasing losses from loans. It states that protection afforded by SBA's guarantees would drop by 15% on loans of more than 1,00,000 dollars forcing banks to enforce tighter standards. James C. Sanders, former SBA administrator feels that such an effort would lend to mainstream businesses that actually need expansion funds and improve loan portfolio.

The article reports on the uncommitted investable funds held by life insurance companies due to the decline of the demand for loans in the U.S. It explains that life companies are faced by a shortfall of private placements which resulted to investments in lower-yielding and short-term instruments such as commercial papers. In response to the stiff competition, it also notes that the companies have reduced their rate expectations and some of them have already expanded their maturities.

The article offers suggestions on banking in the U.S. It mentions that the suggestions revolve on how to survive economic difficulties in banking including reviewing loan portfolio, monitor exceptions and loan mix, and re-evaluate credit philosophy. It includes two charts which depict net charge offs to total loans and loan loss reserves against net charge-offs.

The article considers the potential of financial services company Wells Fargo to alter the student loan refinance business. It looks at the breakdown of student loan portfolio at Wells Fargo and analyzes the company's capability to drive consolidation among lenders given the share of its student loan portfolio on its balance sheet and relationships with borrowers through its in-school lending program. It discusses the possible decline of the refinance market if interest rates rise.

Selling off loans is only part of the loan portfolio management strategy. The other part is managing the loan book more like a portfolio manager. Managing the loan book includes benchmarking, swapping and perhaps marking them to market. The loan portfolio management looks like a skill that banks should have discovered long ago. For loan portfolio management enthusiasts, there are some encouraging signs. Since 1989, loan trading in the secondary market has increased about 30-fold. At the same time, the buy-side of the market has begun to broaden. A handful of closed-end mutual funds now specialize in loan investing. Cultural shift in the corporate loan market is nowhere more apparent than in the way loan syndication is changing in the U.S. Relationship management is a main component of the loan portfolio management. A senior executive at Citibank Corp. claims that relationship management was the legacy of 183 years of business at Citibank. Bank loan portfolio management may run into a fundamental problem. Historically, loans have been private, flexible and heavily negotiated with the borrower. As the secondary loan market is associated with distressed debt sales, corporate treasurers are often reluctant to see their loans traded. One widely touted solution to complexities of banking relationships, constraints of the cash market and technical impediments to securitization is the fledgling loan swap market. Loan swaps allow institutional investors to participate without huge back offices.

The article discusses the coverage of Home Ownership and Equity Protection Act (HOEPA) for purchase money mortgages and home equity lines of credit (HELOCs) in the U.S. It provides an overview on the three separate coverage tests for HOEPA which is required for loan application and transaction. It also mentions the various types of loans that are subject to HOEPA coverage and secured by consumer's principal dwelling.

The article offers information on the underwriting and monitoring ways to ensure successful and effective business loan portfolio for credit unions in the struggling U.S. economy. It mentions the importance of looking into the factors such as cash flow of borrower, collateral, and global cash flow or guarantor assets deal with the challenges of recessions. It notes the importance of reliable information software processes in analyzing business loan applications.

The article reports on the growing demand for collateral management service as a tool for risk mitigation, liquidity management and revenue enhancement in the U.S. Euroclear Bank has launched its DerivManager service which offers trade matching and daily portfolio reconciliations while assisting customers in managing their exposures and collateral in the over-the-counter (OTC) derivatives market. It mentions that the growing need for collateral is being driven by the rapid growth of OTC derivatives and securities finance transactions.

The article offers information on the loan portfolio performance in 2012 of credit unions in the U.S. It mentions that the balance sheet and income statement functions are likened to a picture about a faucet, a bathtub, and a drain. It discusses Great Recession, loan losses, and the credit risks default risk and collateral risk.

The article reports on the growth of the Mortgage Partnership Finance (MPF) program launched by the Chicago, Illinois federal home loan banks (FHLB) in 1997. It says that Chicago FHLB and other five out of 12 FHLBs still have active MPF programs generating more or less seven billion dollars annually. It mentions the continuous decline of the FHLBs in their mortgage portfolios. Meanwhile, Topeka, Kansas' mortgage portfolio increased by 600 million dollars from January to September 2011.

The article reports on the sale of Wells Fargo & Co.'s 600 million dollars portfolio of nonperforming subprime loans (NPLs) in the U.S. It notes that the company accepted Wachovia which has a multi-billion portfolio of problem payment-option adjustable rate mortgages (ARMs). Moreover, the Mortgage Industry Advisory Corp. (MIAC) offers investors two different portfolios of mortgage servicing rights.

The article reports on the predominance of loans in the speculative-grade market in the U.S. According to a study by Fitch Ratings Inc., the predominance of loans have led to their undoing. The study has come out as the global speculative-grade default rate is expected to more than double within 2008, and the loans' position in the speculative grade universe has had a significant impact on high yield bonds.

The article focuses on the 11 percent annualized growth rate in credit union loans in the U.S. in June 2015, according to a report released by financial services provider CUNA Mutual Group. Topics covered include the increase in loan portfolios, growth in memberships, and the factors driving the positive trend. Also mentioned is the rise in credit union loan balances.

The article reports that the U.S Congress is considering regulatory reforms for community banks that will completely ignores regulatory burden on small and midsize non-depository mortgage lenders. Topics discussed include percentage of loans insured by the Federal Housing Administration and Department of Veterans Affairs, the Consumer Financial Protection Bureau's rules which do not differentiate between duties imposed on large and small banks and lack of loan portfolio in mortgage companies.

The article focuses on the November 2014 Trends Report of the nonprofit organization CUNA Mutual Group Inc., which demonstrates the growth of the overall credit union (CU) loan portfolios in September in the U.S. It highlights the growth of automobile lending, fixed-rate first mortgage loan balances, and first mortgages. CUNA Mutual Group chief economist Steven Rick points out the influence of the decline of unemployment rate on wage growth in the first half of 2015.

The article offers information on issues concerning portfolio management, particularly on the short supply of popular bank investments in the U.S. Several key topics being mentioned include student debt, sovereign debt, and the Federal Reserve as well as the declining mortgage-backed securities volume issued by Fannie, Freddie, and Ginnie Mae.

The article offers basic tips in getting loans and starting a business. It states the U.S. Small Business Administration (SBA) government agency help borrowers to qualify for financing terms and participate in SBA's microloan program. It also provides an overview on the understanding the different types of financing for small businesses and finance operations.

The article discusses that the U.S. government is pressuring the mortgage servicers to engage in loan modifications to improve its loss mitigation process. It cites the warning of mortgage technologists that the process needs a more holistic approach. According to Grace Brasington, the executive vice president at Lender Processing Services (LPS) Inc., there is a need to look at every aspect of operations before making some recommendations and the best technology to improve the process.

The article reports on government initiatives in recuperating financial crisis in the U.S. and meeting these initiatives' prerequisites. According to the chief executive officer of Cogent Road Inc. William Dipaolo, he stated that lack of essential training stricken the consistency of loan delivery that may possibly be the source of crisis. Furthermore, quality training is crucial in the servicing industry and could settle the loan problems in the market at present.

The article discusses the performance of U.S. investment bank Raymond James Financial Inc. after the fall of Lehman Brothers Holdings Inc. and Merrill Lynch & Co. Raymond James is described as the third largest securities firm in the U.S. in 2008. Details on the company's founding, growth, and loan portfolio are given.

The article reports on Mission Capital's acceptance of a bid for $108 million portfolio of 20 commercial loans that are secured by commercial and residential real estate in Florida and Minnesota in the U.S. The portfolio is divided into 20 single asset funds which allows investors to focus on particular assets by performance, collateral type or geography according to their individual acquisition standard.

The article reports on the "National Deliquency Survey" of the Mortgage Bankers Association (MBA) for the first quarter of 2008 in the U.S. According to the MBA, the first quarter seasonally adjusted delinquency rate increased to 6.35% and it is the highest recorded in the MBA survey since 1979. It cites that Federal Housing Administration (FHA) loan delinquencies went down to 33 basis points to 12.72% for Department of Veterans Affairs loans.

The article presents developments related to mergers and acquisitions (M&As) in the U.S. It states that midmarket deals under $500 million are anticipated to dominate the M&A deal size, with technology and financial services as the leading sectors. About 78 percent of executives consider that strategic deals will surpass private equity deals in 2008. Meanwhile, 90 percent of private equity practitioners added material adverse change (MAC) clauses due to the credit crunch.

The article reports on the value reconciliation service called VRR Lite offered by eAppraiseIT LLC in the U.S. The new offering provides clients a better understanding about the differences between origination appraisals and subsequent loan servicing valuations, as well as help in the analysis of loan portfolio. It also offers lenders the true values of their assets in pre-foreclosure situations, alert them to indications of fraud, and helps them develop more accurate bids for foreclosure sales.

The article reports on the tightening of business loans by banks due to the economic crisis in the U.S. and the significant role of Small Business Administration (SBA). It states that SBA's 504 loans which offers growing business with long-term fixed-rate financing is continuing to rise. According to Roslyn Goldmacher, president and chief executive officer of the Long Island Development Corp., the trend in low-interest-rate environment will drive more business to the 504 program.

The article discusses the guidelines for business owners in applying business loans as suggested by Small Business Administration (SBA) in the U.S. Entrepreneurs were advised to determine the amount of money needed, obtain credit reports from credit bureaus including Experian, Equifax and TransUnion, correct all erroneous information with explanation letters to derogatory information and organize information to business including business plan, financial statements, tax returns and licenses.

The article reports on the decision of New Century Financial Corp. to admit issues with loan repurchases which forced the company to restate its earnings in the U.S. New Century is restating its earnings for the first three quarters of 2006 because it said it incorrectly applied statement of financial accounting standard 140 which involves the loan it had repurchase. The repurchase reserve of the company is reduced by the amount the repurchase price exceeds fair market value.

The article provides the author's view on effective data exchange capabilities for the efficient management of commercial servicing portfolios in the U.S. The author suggests that the common method of getting electronically data updates transferred and seamlessly fed into the servicing platform should be available. Data exchange between different platforms would provide benefits without requiring complicated integration development on the part of the lender.

The article focuses on the changes faced by mortgage lenders in the U.S. Mortgage lenders are now required to use streamlined services on first mortgages to differentiate themselves in the marketplace and regulation in the industry has become more restrictive. Such action by the regulators was due to some lenders' negligence in monitoring the origination risk and performance of their loan portfolios.

Reports on the rise of collateralized debt obligations (CDO) of commercial mortgage backed-securities issuance, according to Moody's Investors Service in the U.S. Expected amount of deals to exceed; Role of commercial real estate CDOs on the financing mechanism for many of those who finance capital markets and real estate debts; Identification of the ability to provide matched-term funding consistent with the underlying loan portfolio.