South State Correspondent
MAY 9, 2023
private and public lending markets are the world’s envy, with a wide availability of financing options for many capital seekers across the entire capital stack. We believe any change to the FDIC insurance coverage should aim to maintain and advance our credit markets.
South State Correspondent
OCTOBER 18, 2023
The graph below shows the Fed’s balance sheet from 2002 to the present. The benefit to a community bank is that FTP and decreasing liquidity in the market make each incremental basis point of margin from either a loan or deposit almost equally profitable. The Fed is reducing its balance sheet by $95B/mo, or $1.1T
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Jeff For Banks
JUNE 2, 2023
The old borrow short, lend long strategy. By comparison, non-high-tech industries lost 689,000 jobs between 2001 and 2002 but recovered the lost jobs by 2004. Who would’ve thought lending $1 million to a San Francisco cab driver to buy a house at 100% loan to value would go bad? High-tech employment fell from 12.1
Independent Banker
JULY 1, 2015
Since he joined the bank in 2002 after graduating with a degree in finance from the University of Wisconsin-Whitewater, Harms has grown his portfolio to more than $51 million and serves more than 500 clients. For Harms, mortgage lending isn’t just about regulations or underwriting—it’s about people and their financial dreams.
FICO
NOVEMBER 30, 2022
You have a customer for whom your auto lending division sees payments to “Towing Services” (MCC: 7549) where none were seen previously, followed by an increase in spending to the combined MCCs of “Motor vehicle Supplies and New Parts” (MCC: 5013) and “Automotive Service Shops” (MCC: 7538). Here’s another scenario.
Fintech Labs Insights
FEBRUARY 2, 2021
But given it’s position as powering alternative energy lending at the POS, it seemed to be more the former. The startups is expecting to go public in early 2021 via a SPAC with an estimated market cap of $1.3B. Sunlight Financial : We debated whether NYC-based Sunlight is more fintech or financial institution. values as of 2 Feb 2021).
Fintech Labs Insights
FEBRUARY 2, 2021
But given it’s position as powering alternative energy lending at the POS, it seemed to be more the former. The startups is expecting to go public in early 2021 via a SPAC with an estimated market cap of $1.3B. Sunlight Financial : We debated whether NYC-based Sunlight is more fintech or financial institution. values as of 2 Feb 2021).
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