Sentences with phrase «credit quality borrowers»

Its unique Rate Beat Program ensures that you're getting the best deal and rewards high - credit quality borrowers for shopping around.

Leasing cars to low - credit quality borrowers, naturally.

Not exact matches

But rising delinquencies have made it harder to raise funds for fresh loans, prompting the sector to review its business model, which tends to attract borrowers with low credit quality.

«There has been a sequential decline in the credit quality of the largest borrowers since FY12,» Awtani told CNBC.

«We are beginning to see some deterioration in the credit quality of oil and gas loans to borrowers that used high volumes of debt to finance their growth over the past several years,» Grant Wilson, director of commercial credit for the Office of the Comptroller of the Currency, a banking regulator, told Bloomberg in an interview.

«We are beginning to see some deterioration in the credit quality of oil and gas loans to borrowers that used high volumes of debt to finance their growth over the past several years,» Grant Wilson, director of commercial credit for the OCC, said in an interview.

Credit specialist George Shaw offers his suggestions for improving the relationship between lenders and borrowers, including an increased focus on customer concentration, higher - quality working capital, and for older business owners, the creation of a succession plan.

Credit scores are not only higher, but they also understate the quality of recent borrowers, who have earned these scores during a much tougher environment.

This kind of transaction is often more cost - effective than a short - term loan, especially if the borrower has a low credit score because the loan depends on the credit quality of the borrower's customers, not the borrower's.

Each borrower will be required to give notice to the DOT of material events, including litigation, which could affect project development or the credit quality of the project.

The safeguards that came into the marketplace for borrowers, lenders, investors, and ultimately taxpayers with the implementation of the QM standard have been helpful in improving the credit quality of the housing market in the United States.

The borrowers still have high credit quality.

As always, this depends on the type of loan, the quality and value of the asset and the borrower's credit score and history.

Other options are subprime lenders, who are recognized experts in lending to bad credit borrowers, while traditional lenders are also a viable option due to the quality of the security provided.

«High and rising household debt - to - income levels leave both borrowers and lenders vulnerable to an economic downturn, despite strong consumer credit quality metrics to date,» reads the report.

So for the loans which are underwritten to, say FNMA Guidelines, investors know there is a certain underlying credit quality for the MBS that they purchase and even if a borrower defaults on their mortgage, the investor will be fully repaid.

For investors, they have the ability to invest in those personal loans, and they can choose the credit quality of those borrowers.

Unlike wild risk takers investing in subprime mortgages — low - quality loans to borrowers with iffy credit — Thornburg stuck to high - quality assets.

Risk Considerations: Investments in debt instruments may decline in value as the result of declines in the credit quality of the issuer, borrower, counterparty, or other entity responsible for payment, underlying collateral, or changes in economic, political, issuer - specific, or other conditions.

Right now, when comparing jumbo loan rates to conventional rates, investors may be finding it more attractive to latch onto jumbos, given the high credit quality of many of those borrowers, Hu told HousingWire.

Bonds and their funds are often graded on quality and borrower repayment ability (like an individuals» credit score) by credit rating agencies like CRISIL, ICRA etc..

When an education lender seeks to improve the quality of its loan portfolio, it may want to discriminate on the basis of the borrower's credit score or attendance at a particular educational institution or type of educational institution (e.g., based on the institution's cohort default rate or the institution's graduation rate).

The quality of retail credit is best indicated by the repayment performance of individual borrowers.

To compensate for lower credit quality, the issuer of the instrument (call it the borrower) may offer you a slightly higher interest as a compensation for taking the higher risk.»

According to their website, «Our proprietary underwriting model identifies high - quality borrowers despite limited credit and employment experience.»

As every lender knows, the current environment is one of sustained depressed levels of credit quality, and naturally increasing competition among lenders for the least risky borrowers.

Developed to help lenders meet Fannie Mae's Loan Quality Initiative recommendations and check borrower credit activity during the processing of a mortgage, it offers users continuous monitoring and daily proactive alerts on potential risks.

Artificial intelligence — Advances in automated underwriting and credit - risk analyses — such as taking into account traditional as well as nontraditional factors to determine an applicant's ability to pay, regardless of income — have enabled lenders to uphold credit quality when making loans to low - income borrowers.

Credit policy restrictions and high lending fees for borrowers are not conducive to a healthy housing market — continuing access to affordable and sustainable residential mortgages through quality underwriting is what Congress should really focus on.

Depending on the credit rating of the anchor, lease quality and interest rates, a borrower can fund approximately 85 % of property value through a self - liquidating 20 - year loan, McDowell says.

Additionally, Montegra can approve acquisition loans even when a property's quality is not up to institutional standards and / or a borrower's credit or liquidity does not meet traditional lenders» requirements.

At his previous firms, he performed credit analysis assisting loan officers with underwriting property and borrower information for loan submissions, serviced commercial loans providing assumptions and modifications for the commercial portfolio, worked out problem assets and provided asset reviews to classify loans in order to assess portfolio quality.

He also stressed that the quality of mortgages in Canada, as determined in large part by the credit scores of borrowers, is much better.

Those deals involve borrowers with poor credit and lesser - quality properties.

It is important to note that the Loan Estimate is not analogous to a preapproval letter, which is based on borrower credit quality alone, and that underwriting a loan property address, which is a necessary element in estimating value, is fundamental.