"People aren't in the market for loans all the time," said Darren Beck, LendingTree's vice president for online advertising.
The market for loans and corporate bonds went into lockdown mode last autumn after the collapse of Lehman Brothers.
Once that crisis ended, the secondary market for loans continued to expand, with bankers turning to note sales as an alternative to working out delinquent loans internally.
In addition, the administration wants to ease the secondary market for loans backed by the Small Business Administration, which has been frozen since last fall.
Many investors are shunning mortgage bonds that lack implied government guarantees through entities like Fannie Mae and Freddie Mac, reducing the size of the market for loans originated by Impac.
Mr. Cuomo's appraisal agreement represents a de facto regulation of national banks, which must comply with the agreement or lose their primary market for loans.
If you believe yourself to be thoroughly hedged against the risk that buyers are unable to repay their loans, you will be more likely to pump money into the market for loans to non-creditworthy buyers.
The market for loans on commercial property has reopened, at least for better properties and for deals that involve relatively little leverage, meaning that the property could lose a lot of its value without the lender taking a hit.
We have seen how the jumbo mortgage market, for loans too large to be eligible for Fannie and Freddie purchases, has long operated efficiently, with rates only slightly above the rates on smaller mortgages.
That may be encouraging a black market for loans to the least creditworthy.Now a new debt-relief programme aims to bring these low-credit, low-income households back into the banking fold.
