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As the industry braces for TILA-RESPA Integrated Disclosure rule (TRID) to finally be implemented, mortgage bankers must put a plan in place to manage vendor liability and risk within the context of the new rule.

Several aspects of TILA-RESPA will be left open to interpretation. While a variety of interpretations are acceptable, banks need to make sure they fully understand every individual vendor’s appetite for risk to ensure alignment. There may be variation from one vendor to the next, so banks must be proactive in learning how their vendor interprets various sections of the rule, and how they put those interpretations into the functionality.

Changes in interest rates suggest loan officers may have to hunt harder for originations that may ultimately be more lucrative.

"Overall, trends in mortgage applications last week were consistent with the ongoing shift towards a purchase market accompanied by growth in employment and higher interest rates,” said Lynn Fisher, vice president for research and economics at the Mortgage Bankers Association, reports CNBC.” Although contract interest rates fell by 3 basis points due to economic uncertainty abroad last week, they remain 40 basis points above April levels and the refinance share of mortgage applications fell to 48 percent, the lowest rate since June of 2009."

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