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Xhevrije West is a talented writer and editor based in Dallas, Texas. She has worked for a number of publications including The Syracuse New Times, Dallas Flow Magazine, and Bellwethr Magazine. She completed her Bachelors at Alcorn State University and went on to complete her Masters at Syracuse University. Mortgages Are No Longer the Most Complained-About Product to CFPB Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / Mortgages Are No Longer the Most Complained-About Product to CFPB Governmental Measures Target Expanded Access to Affordable Housing 2 days ago March 30, 2016 1,110 Views About Author: Xhevrije West Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago  Print This Post The Best Markets For Residential Property Investors 2 days ago Share Save Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Previous: Fannie Mae’s Mortgage Portfolio Wind Down Continues Next: Watchdog Chides FHFA for Lack of Oversight Servicers Navigate the Post-Pandemic World 2 days ago Newfound optimism in the housing market from both lenders and borrowers is causing mortgage-related complaints to subside as customer satisfaction improves and financial institutions alter the way they do business.For the first time since the Consumer Financial Protection Bureau (CFPB) began accepting complaints from consumers about financial products shortly after opening its doors in July 2011, mortgage-related issues are no longer the most unsatisfactory product on the list.The mortgage market is the largest consumer financial marketplace in the country with more than $10 trillion in total value. The CFPB enacted new mortgage rules in 2014 to ensure strong consumer protections and also ensure that lenders offered affordable mortgages to consumers.According to the CFPB’s Monthly Complaint Report, mortgage complaints now total 218,407 and 4,529 of these occurred in February, up 6 percent from last month.Beating mortgage complaints this month were debt collection issues. According to the data, debt complaints total 219,229 and 7,360 of these happened in February, which makes this sector the new most-complained about product in the Bureau’s report.Debt collection, mortgage, and credit reporting complaints continue to be the top three most-complained-about consumer financial products and services,  representing about 69 percent of complaints submitted in February 2016.As of March 1, 2016, the CFPB has handled approximately 834,405 complaints, including approximately 22,800 complaints in February 2016, the report said.One plausible explanation behind the silenced mortgage complaints is the optimism surrounding borrowers and lenders, according to recent reports.Mortgage lenders remain optimistic and unbothered by the news surrounding the dismal, but improving, state of the U.S. economy.A recent survey of 200 mortgage lending professionals from Lenders One showed that lenders are exuding confidence in the real estate market. In addition, lenders say that millennials, Hispanics, and boomerang buyers will lead the expected gains in business.According to the survey, 62 percent of lenders surveyed said that they expect mortgage purchase production to increase by an average of 11 percent in 2016. Another 87 percent indicated that the mortgage purchase market will be extremely active.“The strong confidence levels we’re seeing among lenders highlight the continued bounce back from one of the most challenging real estate and lending environments in U.S. history,” said Lenders One Interim CEO Dan Goldman. “In an environment where lenders can once again focus on business growth initiatives, it will be more important than ever for mortgage professionals to have access to the tools and ongoing training they need to capitalize on these emerging trends.”The American Enterprise Institute (AEI) International Center on Housing Risk found that the share and volume of first-time homebuyers rose significantly in February 2016 compared to a year earlier.According to AEI’s First-Time Buyer Mortgage Share Index (FBMSI) released Monday, first-time buyers accounted for 56.7 percent of primary owner-occupied home purchase mortgages with a government guarantee in February 2016. This number is up from 55.9 percent last February and up from January’s share of 56.1 percent.”The first-time buyer share has been trending higher on a year-over-year basis, pushed up by improvements in the labor market, riskier mortgage lending, and continuing low mortgage rates,” the report stated.“On a year-over-year basis, the first-time buyer share increased in February, reflecting a continuation of strong first-time buyer participation,” said Edward Pinto, Codirector of the American Enterprise Institute’s International Center on Housing Risk.  “The current housing market, particularly at the entry-level, is exhibiting strong, leverage-fueled demand, which in combination with shortness of supply, will continue to drive home prices up faster than incomes and inflation.” The Best Markets For Residential Property Investors 2 days ago Tagged with: CFPB Consumer Complaint Database Mortgage Complaints in Daily Dose, Featured, Government, News CFPB Consumer Complaint Database Mortgage Complaints 2016-03-30 Brian Honea read more

first_imgARCADIA, Calif. (Feb. 27, 2015)–Far back early, Play Hard to Get saved ground at the rail and re-rallied late under Corey Nakatani to defeat Awesome Return and Mike Smith by a head in Friday’s $60,000 Green Jewel Purse allowance at Santa Anita. Trained by Eric Kruljac, Play Hard to Get covered 1 ¼ miles on turf in 2:00.59.Breaking from the rail under showery conditions, Joes Blazing Aaron set fast fractions of 22.45, 45.67, 1:09.79 and 1:34.84, which set up the late runs of both the winner and runner-up.“They were motoring up front,” said Nakatani. “I knew we could take back off the pace, because I could tell they would come back to me.”Off at 9-1 from his outside post position in a field of nine, Play Hard to Get paid $20.40, $5.80 and $4.20. Owned by Kings River Ranch, Play Hard to Get, a 4-year-old Kentucky-bred gelding by Purim, picked up his third win from nine starts. With the winner’s take of $36,000, he increased his earnings to $132,750.“It was definitely the ride that Corey envisioned,” said Kruljac. “We were going to take back but we didn’t know we’d be that far back (sixth, 6 ½ lengths off the lead at the quarter pole). He had the confidence to do it and he knew what they were doing on the front-end. You put a rider like that up and you don’t tell him how to ride.”Next to last, 9 ½ lengths off the lead a quarter mile from home, Awesome Return skimmed the rail around the far turn while following Play Hard to Get, made the lead inside the sixteenth pole and may’ve won had he seen the winner, who was wide-out on the course at the wire.Off at 6-5, Awesome Return finished 1 ¼ lengths in front of front-running Joes Blazing Aaron and paid $3.20 and $2.60.Ridden by Tyler Baze, Joes Blazing Aaron was off at 5-1 and paid $3.40 to show.There is a Pick Six carryover into Saturday of $48,472 and it is expected that Saturday’s total Pick Six Pool should approach $300,000. First post time for a nine-race card on Saturday is at 12:30 p.m. Admission gates open at 10:30 a.m. PICK SIX CARRYOVER OF $48,472 INTO SATURDAY, TOTAL PICK SIX POOL SHOULD APPROACH $300,000last_img read more

first_imgThis weekend’s minus tides could be problematic for ocean anglers launching at Eureka’s two public boat ramps. As most boaters are aware, the Eureka public boat ramp off of Waterfront is a muddy mess at low tide. And this weekend’s minus tides fall smack dab in the middle of when the boat launching traffic is typically the heaviest. Saturday’s low of minus 0.8 falls at prime launching time, right around 7:15 a.m. Sunday isn’t much better, with a minus 0.8 right around 8 a.m. Reportedly, it will …last_img read more

first_imgSo we’ve reached the final day of the X-Blades 18 Years and Under National Championships and it’s going to be another day of dynamic competition. There are only four teams left in the hunt for the Boys’ Championship.Reigning champions Sydney Mets will play Cobras in the first semi-final while QSST will face off against Central Queensland on the other side of the draw. Mets will take a mental advantage into their match, having already disposed of Cobras 8-4 on Thursday, but the Cobras boys led by the impressive Rhys Jacks and Oscar Sanft will be steeled for a battle to the end. QSST will be hunting for their first finals appearance in a few years when they go toe to toe with the form team of the 2007 tournament Central Queensland.In the Girls’ Championship race gutsy performances by Queensland franchises Sharks and Cobras earned them a place in the final four. Cobras, led by Australian 20 Years gun Sam Hopkin, upset a powerhouse Suns team 4-3 while Sharks easily disposed of the higher-placed NSWCCC 8-2 who will be disappointed with their meek surrender after promising so much in their narrow loss to QSST yesterday afternoon.Sharkies will battle QSST and Cobras will face NSWCHS in the semis. The Boys’ Shield semi-finals will see more hotly contested matches. Northern Eagles will be disappointed at missing out on the Championship finals. The home-town heroes will be desperate to progress through to the Shield grand final but they will first have to overcome Sunshine Coast. Sharks and Suns are the other two teams left in the battle to claim the boys’ Shield. In the girls’ division Central Queensland earned itself a position in the final four with a 6-5 drop-off win over Northern Eagles last night. CQ will meet Sunshine Coast for a place in the Shield grand final. Whoever makes it through will come up against the winner of NSWCIS and Hunter Hornets.The boys’ Plate finals will also be contested tomorrow. Rebels and Tasmania will square off for one grand final berth while Scorpions and Northern Territory will clash for the other. It is an all-foreign battle for the girls’ Plate. ACT and TouchWest will play in the first semi while Tasmania and Northern Territory will meet in the second. The girls’ grand final is scheduled for 2.15pm. The boys will play off at 3.15pm. Every team competing in the X-Blades National 18 Years and Under Championships still has something to play for. Who will finish champions? We will know by the end of today. 8.00amGirls’ Shield SF1        Sunshine Coast v CQGirls’ Shield SF2         NSWCIS v HornetsGirls’ Plate SF1          ACT v TouchWestGirls’ Plate SF2          Tasmania v Northern TerritoryBoys’ Plate SF2          Rebels v Tasmania9.00amGirls’ Champ SF1         QSST v SharksGirls’ Champ SF2         NSWCHS v CobrasBoys’ Shield SF1         Northern Eagles v Sunshine CoastBoys’ Shield SF2         Sharks v SunsBoys’ Plate SF1          Scorpions v Northern Territory10.00amBoys’ Champ SF1         Mets v CobrasBoys’ Champ SF2         QSST v CQBoys’ P/O 7/8              NSWCCC v HornetsBoys’ P/O 13/14           TouchWest v NSWCISGirls’ P/O 13/14            Rebels v Eagles11.00amBoys’ P/O 5/6              ACT v NSWCHSGirls’ P/O 5/6               Suns v NSWCCCGirls’ P/O 7/8               Mets v ScorpionsGirls’ P/O 11/12            L/S/SF1 v L/S/SF2Girls’ P/O 17/18            L/P/SF1 v L/P/SF2 12.00pmGirls’ Shield Final           W/S/SF1 v W/S/SF2 (Determines 9th and 10th)Girls’ Plate Final            W/P/SF1 v W/P/SF2 (Determines 15th and 16th)Boys’ P/O 11/12            L/S/SF1 v L/S/SF2Boys’ P/O 17/18            L/P/SF1 v L/P/SF2 1.00pmBoys’ P/O 3/4              L SF1 v L SF2Girls’ P/O 3/4               L SF1 v L SF2Boys’ Shield Final          W/S/SF1 v W/S/SF2 (Determines 9th and 10th)Boys’ Plate Final           W/P/SF1 v W/P/SF2 (Determines 15th and 16th) 2.15pmGirls’ Final                    W/SF1 v W/SF23.15pmBoys’ Final                   W/SF1 v W/SF2last_img read more

first_imgBraxton Miller works out in Bane-style mask.Ohio State’s men’s basketball team’s season came to an end Saturday evening, as the No. 10-seeded Buckeyes fell to No. 2 seed Arizona in the NCAA Tournament’s Third Round. Don’t fret, though, OSU fans. You still cheer for what is perhaps the best college football program in the country. One of the people who will attempt to help lead the Buckeyes to another national championship on the gridiron was in the gym today, working out like Bane. Will Miller be Ohio State’s starter in 2015? The Buckeyes open their campaign Sept. 7 against Virginia Tech.last_img read more

first_imgNotley, while fighting court challenges and the B.C. government over the project, pulled it back from the abyss after the pipeline’s owner started questioning whether it would ever get built. She got the federal government to buy it for $4.5 billionNo sooner had the champagne corks popped than the Federal Court of Appeal ruled in the fall that Ottawa hadn’t properly consulted with First Nation or examined the impact on marine life.The project is in limbo until those failings are addressed.“(The court ruling) means it has slowed down, but it is still alive and I think it is going to get done,” said Notley.The line has come to symbolize not only Alberta’s struggles to get resources to market but also frustration over a stubbornly slow rebound in the oil-based economy.There have been pro-pipeline demonstrations in recent weeks along with renewed fringe commentary for Alberta to leave Confederation. Notley has taken to sniping at Quebec for criticizing Alberta’s “dirty energy” and has joined critics who say Prime Minister Justin Trudeau’s federal government has failed _ offering sympathy but little else _ to sustain one of the core drivers of the national economy.Political analysts and recent opinion polls suggest Notley remains popular. But Jason Kenney and his United Conservatives will pick up the fight when the election is held, by law, sometime in March, April or May.Kenney suggests Notley is the author of her own misfortune by bringing in a carbon tax and working with Trudeau, who is making it harder to get approval for energy megaprojects.“I can understand perhaps why they tried to make it (work with Trudeau) but it has been a complete failure,” said Kenney in an interview. “Even the premier now seems to acknowledge that through the change in her tone. Too little, too late.” EDMONTON, A.B. – The year 2019 will decide whether Premier Rachel Notley’s NDP gets to finish the job of getting more oil to market or become the first party in provincial history to be one and done.“I know that the opposition wants to sort of revel in what they insist on hoping is defeat, but we’ve made more progress on getting a pipeline to tidewater than any other government has in the last 70 years,” Notley told The Canadian Press in a year-end interview.Notley will take voters to the polls in the spring after a 2018 that saw her tightly wrapped in the Gordian knot of the Trans Mountain pipeline expansion. It received a green light two years ago and would triple the amount of oil moving to the B.C. coast and from there overseas where it could fetch a better price.center_img Kenney has a more combative approach and has promised to take the federal government to court over its carbon tax plan.Polls and political observers say the dominant election issues will be the economy, jobs, and who can help put food on the table.“If we had an election today, we’d have an overwhelming UCP majority,” said Calgary-based pollster Janet Brown.“Albertans are singularly focused on the economy and what’s necessary to get the economy moving. At this moment in time, they think Jason Kenney and the UCP would be more competent at managing those things.”The NDP has already signalled its attack lines by warning that a Kenney government would gut departmental budgets and threaten hard-won gains for women and the LGBTQ community.Brown said United Conservative numbers have remained strong since the party was formed in 2017 in a merger of the Wildrose and Progressive Conservative parties. So far, NDP attacks have not resonated.“They keep trying to throw stuff at Jason Kenney, trying to paint him as anti-LGBTQ, a bigot, a racist all sorts of things. My polling numbers just don’t suggest that any of that stuff is sticking. I’m just impressed not just where that UCP number is, but how unchanging it is.”Calgary political scientist Duane Bratt said Alberta may statistically be out of a recession but that’s not how people feel.“And when times are bad, you lash out at the incumbent government. That’s a simple fact.”Fighting hard to come up the middle is the Alberta Party under new leader and former Edmonton mayor Stephen Mandel.The party has long been a small-time player. It elected just one member in 2015 but added two more in floor-crossings. But it already has more than 50 candidates and expects to soon fill the full slate of 87.Mandel said the Alberta Party is the perfect middle-ground choice, because it combines the United Conservatives’ fiscal conservatism with the NDP’s socially progressive outlook.“People don’t like the polarization of the province,” he said. “They want to see more balance.”If a vote were held as early as the first week of March, a writ could be dropped as early as February. Political scientist Chaldeans Mensah said that’s when voters will really get engaged and fortunes could change quickly.“Right now the UCP is looking good, but I think it’s too early to conclude that the election is over,” said Mensah of MacEwan University in Edmonton.“The campaign and its dynamics will really tell the tale.”last_img read more

first_imgAhmedabad: The Congress on Tuesday alleged that Prime Minister Narendra Modi was “cynically exploiting” the issue of national security to divert attention from his “colossal failures” and “persistent falsehoods”. The strong attack on the prime minister came in a party resolution passed at the Congress Working Committee (CWC) which was chaired by party president Rahul Gandhi and attended by all senior leaders, including Sonia Gandhi, Manmohan Singh, Ahmed Patel, Ghulam Nabi Azad and Priyanka Gandhi Vadra. Also Read – Squadrons which participated in Balakot air strike awarded citations on IAF Day “Congress party expresses its strong disappointment that the prime minister is cynically exploiting the issue of national security, on which we are all united, to divert attention from his colossal failures, bogus claims and persistent falsehoods,” the resolution passed by the CWC said. The CWC sends a “stern and unequivocal” message to India’s enemies that the country stands united and resolute as one to confront and defeat their nefarious agenda, it said. Also Read – SC declines Oil Min request to stay sharing of documents on Reliance penalty India is a resilient democracy, proud of its brave armed forces. It shall never be defeated by forces of violence and terror, the resolution said. “An atmosphere of fear and insecurity is all pervasive particularly among women, students, academics, writers and the business community; there are deliberate attacks on the constitutional and other safeguards for scheduled castes, scheduled tribes, OBCs and minorities; and there is subversion of all institutions of governance,” the strongly worded resolution said. The Congress said it will approach the people of India with humility to seek their support in the general elections for itself and its allies in different states. The party said it seeks a “mandate for better governance and accountability, to repair the grave damage caused to our democratic polity, economy and society by the Modi government, a mandate for change to restore the health of the Indian economy, for job creation, social justice and harmony”. Briefing reporters after the CWC meeting, senior party leader Anand Sharma said the Congress is committed to restoring the health of the Indian economy which has been collapsing due to the “monumental mismanagement” under Prime Minister Modi and his government. “The working committee has met in the backdrop of terror attacks. The nation has spoken in one voice. The PM is seeking to divide the nation. The PM is questioning the commitment and patriotism of his and the BJP’s political opponents ahead of the elections,” Sharma said. The prime minister is exploiting the emotions and sentiments of the people to deflect attention from his failure and non-deliverance of promises made in 2014, he alleged. Congress president Rahul Gandhi has said the party will not allow Prime Minister Modi to once again “mislead and befool” the people, Sharma said.last_img read more

The Playoff Implications Of Every Game For Every NFL Team

“Playoff Implications” is a phrase you usually don’t hear until the final weeks of the NFL regular season, but almost every regular season game has playoff implications. In the early going, however, it can be difficult to figure out just what those implications are, and how much is riding on each game.Most other major sports leagues play a greater number of regular season games, and thus the playoff picture in those sports evolves in a more incremental fashion. The pace can seem glacial at times for MLB, and inevitable and foregone when it comes to the NBA. But with just 16 regular season games, the NFL’s playoff landscape can change dramatically over the course of a single Sunday afternoon. And these tectonic shifts take place throughout the season, not just in those final weeks of December.With a week or two left in the season, the “eye test” usually suffices for judging which games will shape the playoff picture. But in mid-October there are far too many possibilities for the unassisted human mind to make sense of. We can only speak in general terms. For example, we know the playoff chances for the New Orleans Saints will improve with a victory this Sunday over the Detroit Lions. But by how much? And how far would they drop with a loss? Expanding our focus, what other teams have a vested interest in the outcome of this game? One would expect Carolina’s playoff chances to improve with a Saints loss, given that the Saints are their division rival. But once again, by how much?To answer these questions, we’ve created a weekly feature that measures the playoff implications of each game. To do this, you need to be able to simulate the remainder of the season multiple times and analyze the results. And in order to simulate the season, you need a way to rank all 32 teams, and use that ranking to create outcome probabilities for future games. We’ve been doing just that with FiveThirtyEight’s Elo rankings. But the Elo ratings, simple and beautiful, aren’t the only word on NFL rankings. For this feature we’re going to turn to the wisdom of the crowd instead, and use a ranking system one of the authors developed based on betting markets. In stock market terms, think of it as technical analysis in lieu of fundamental analysis.We’ll get into the methodology in a moment but first the results. Think of each interactive table below as a playoff implications “cheat sheet” for this week’s upcoming games.1The table is initially sorted by game importance, where we define importance by its cumulative impact on the playoff picture. Where you see blank cells on the table corresponds to games and teams in which there was not a statistically significant difference in playoff odds. (If you hover over a colored square, you’ll see details for that game.)UPDATE (Oct. 17, 12:30 p.m.): The interactive tables above have been updated to include Thursday night’s game, which now shows no playoff implications because its result is included in the playoff chances (the text of the article has not been updated).Reading the table across tells you which teams are affected by any particular game.2Notice that we don’t restrict ourselves to just the two teams competing in each game. As we alluded to above, teams benefit when they win games, but they also benefit when division rivals (and other competitors for playoff seeding) lose games. The Panthers, for example, would see their playoff chances rise by 11 percent with a Saints loss to the Lions. Reading the table down tells you which games matter most to any given team. For example, if you’re a Texans fan, what games should you care about this week, how much should you care about them, and who do you want to win? The column headers are sortable, so clicking on the “HOU” column tells you to care about HOU @ PIT, ATL @ BAL, CIN @ IND, NYJ @ NE, CLE @ JAC, and KC @ SD — in that order. And you want the Texans, Falcons, Bengals, Jets, Jaguars and Chiefs to win.My rankings start from the assumption that the NFL gambling market is efficient, and then attempts to determine how that efficient market ranks each of the 32 NFL teams. Unfortunately, Vegas doesn’t actually share its rankings with the general public, but with a little reverse-engineering, we can arrive at a pretty good guess at what they are. We start with the point spread. For Thursday night’s game, the New England Patriots are a 9.5-point favorite at home against the New York Jets. Since home field advantage is worth about 2.5 points, the market thinks the Patriots are 7 points better than the Jets when playing on a neutral field.Armed with this interpretation, we then take the point spreads from each game and for multiple weeks and run a simple linear regression to arrive at a consensus ranking. The process is akin to drawing a map of the United States but nobody tells you a city’s location. Instead, they only tell you how far away each city is from another city (e.g. Los Angeles is 1,700 miles away from Chicago, Chicago is 165 miles from Indianapolis, and so on). To further complicate matters, our map “moves” over time, making earlier “distance” measurements less reliable. For example, the Steelers opened the season as a 6-point favorite at home against the Browns. If the market were to set that point spread today, Pittsburgh would most likely drop to just a 2.5-point favorite, as the Steelers have fallen short of preseason expectations, and the Browns have exceeded them. So, the ranking methodology gives more weight to recent point spread data in an attempt to get the most up-to-date market evaluation of each team.Now that we have a ranking system that assigns a probability to each future regular season game outcome, the next step is to simulate the season multiple times (50,000 times to be exact). After simulating win/loss records, we apply the NFL playoff seeding rules (plus tiebreakers) and summarize the results. There are already several sites that do these types of simulations for the purpose of producing team playoff odds (including FiveThirtyEight). For this feature, we’re going to go a bit deeper than that.Instead of focusing on each team’s overall playoff odds, let’s instead focus on each game. We’ll use the New Orleans-Detroit game as an example. Of the 50,000 simulation runs, there were precisely 30,180 (or about 60 percent) that resulted in a Lions victory, and 19,820 that resulted in a Saints victory. Let’s now focus on those two samples in isolation. Of the 30,180 simulations in which the Saints lost, they made the playoffs 8,273 times, or 27 percent. Of the 19,820 simulations in which the Saints won, they made the playoffs 9,172 times, or 46 percent. Put simply, the Saints playoff odds could swing by a not-insignificant 19 percent as a result of their game against the Lions. (The games with the most cumulative influence on the overall playoff picture (“leverage”) are listed at left).We can repeat this calculation for every game and every team. The result: A measure of how much every game matters to every team. read more