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State of Mortgage Lending – National View Greater Cincinnati MBA September 17, 2013

State of Mortgage Lending – National View Greater Cincinnati MBA September 17, 2013. Presented by Bill Cosgrove Vice Chairman Mortgage Bankers Association. Housing Market – Bright spot in U.S. Economy. S ource: MBA – March 2013 Mortgage Finance Forecast.

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State of Mortgage Lending – National View Greater Cincinnati MBA September 17, 2013

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  1. State of Mortgage Lending – National ViewGreater Cincinnati MBASeptember 17, 2013 Presented by Bill Cosgrove Vice Chairman Mortgage Bankers Association

  2. Housing Market – Bright spot in U.S. Economy Source: MBA – March 2013 Mortgage Finance Forecast

  3. Inventory of Homes – Dropped Sharply Sources: US Census Bureau, New Residential Sales; National Association of Realtors ®, Existing Home Sales via Moody’s Economy.com.

  4. Ohio vs. National – NDS Data

  5. Oversized & Outdated – Gov’t Dominated 1ST Loss Position

  6. Private Capital First SECONDARY MARKET STRUCTURE 1ST Loss Position Backstop & Liquidity

  7. GSE Single Family Transition Steps End State

  8. Hundreds of Rules

  9. Year of Implementation • ALREADY THIS YEAR • ATR/QM Final Rule • Loan Officer Rule • Servicing Rule • Disparate Impact • Basel III • STILL MORE TO DROP! • QRM (re-proposed, but not final) • RESPA/TILA

  10. Be prepared!

  11. Become a member! BE PART OF THE SOLUTION JOIN THE TEAM HAVE YOUR VOICE HEARD GRAB A SEAT AT THE TABLE

  12. Grassroots in Action - MAA

  13. Conferences

  14. Conferences

  15. Together, we can affect change! • ONE INDUSTRY • ONE VOICE • OUR FUTURE

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