Over the past year, some mortgage lenders have assumed that regulatory pressure has eased. While the Consumer Financial Protection Bureau (CFPB) may appear less aggressive at times, that belief is both dangerous and short-sighted. The reality is clear: the CFPB remains active, federal regulations are unchanged, and enforcement risk has not disappeared. In fact, state regulators have increasingly stepped in to fill any perceived gap. State-level examinations and enforcement ac

As the mortgage market approaches its next inflection point, warehouse bank relationships warrant renewed scrutiny. Too often, these partnerships are evaluated narrowly—almost exclusively through the lens of pricing. While line costs are undeniably important, an approach that prioritizes rate spreads alone can expose lenders to material operational and liquidity risk as market conditions evolve. A well-constructed warehouse strategy begins with diversification and strategic a

Employees expect payroll to be funded and deposited on time—without exception. Meeting that obligation requires sufficient cash on hand. While this sounds straightforward, it is often complicated by GAAP’s accrual accounting framework. Under Generally Accepted Accounting Principles, revenue and expenses are recognized when earned or incurred—not when cash is received or paid. In other words, reported profit reflects economic activity, not liquidity. For mortgage lenders, this

As we enter 2026, many mortgage executives are hopeful that interest rates will stabilize or decline—unlocking a return to healthier volume. But from a leadership and financial governance perspective, hope is not a strategy. The past several years have reinforced a hard truth: rate forecasts are unreliable. Moments of relief tend to be brief, and optimism alone does not protect margins or enterprise stability. We heard similar expectations in both 2024 and 2025. Rates would f

Mortgage companies and mortgage lenders are subject to many federal regulations, including the Equal Credit Opportunity Act (ECOA). CEOs...

Most MLOs communicate with Realtors and Applicants, requiring proficiency in business-to-business dialogue and business-to-consumer...

To communicate a strategic message about the company's vision and mission to employees effectively, a CEO should focus on clarity,...

When communicating complex financial information to a CEO, accountants can improve their effectiveness by simplifying their approach....

At Mortgage Banking Solutions, we pride ourselves on being the trusted experts in mortgage accounting, providing comprehensive services...

Success isn't just about closing deals; it's about cultivating lasting relationships built on trust, transparency, and mutual respect....

In the intricate world of Mortgage Banking, achieving robust profit margins isn’t just a goal; it’s a strategic endeavor that demands a...

The importance of robust compliance and risk management cannot be overstated in the world of mortgage banking, where each transaction...

The mortgage industry is a bustling ecosystem that is constantly shifting and evolving in response to economic fluctuations, regulatory...

CEOs are more than mere figureheads in the vast expanse of the Mortgage Banking industry; they are captains steering their ships through...

A Warning to Mortgage Company Owners The Zombie mortgage company has a liquidity and capital crisis. For year-end 2023, the Zombie...

Mortgage industry experts are concerned about loan repurchases among independent mortgage banks as mortgage originations have declined....

Some say "desperate times call for desperate measures." But the Employee Retention Credit (ERC) promoted widely on social media may not...

Schell Advisory Services, LLC Dr. Schell, Ph.D., CPA PO Box 91175, Austin, TX 78709 CPE Course Delivery and Content Management Policies...

I hear Originators ask: Why do my rates suck? - in comparison to other Lenders that suck less. To answer this question, We'll simplify...

A warning to Mortgage Company Branch Managers... Zombie mortgage company has a liquidity crisis limiting the funding of new loans because...

ONLINE - CFO & Accounting Services ​​ The MBS Mortgage Accountants are experts in mortgage accounting. Dr. Schell, PhD, CPA, CMB, who is...

Content design and posting frequency matter!! When it comes to marketing your mortgage business online, the conversation of social media...

Fannie Mae recently released a study of borrower and lender behavior spanning from 2017 to 2019. Spoiler alert - borrowers who shop and...

Research has identified five components of Emotional intelligence. These elements include: Self-Awareness - the ability to recognize and...