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June 08, 2004, 1:00 a.m. EDT 3 Min Read
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© 2022 Arizent. All rights reserved.
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Buying mortgages is nothing new for Deutsche Bank Securities Inc., but buying them through a correspondent channel is.
The difference? The Deutsche Bank AG unit's new group, headed by Maxine Matteo and based in Boca Raton, Fla., commits to buy specific loans at specific rates before they close, as long as what is delivered matches Deutsche's underwriting guidelines.
Previously, Deutsche Bank bought mortgages destined for securitization only in bulk, mostly from large specialty finance companies.
Such bulk deals could be as small as $3 million, but many smaller originators "want to have an approval before they even make the loans," said Ms. Matteo, the group's managing director.
Deutsche joins most Wall Street firms in buying loans directly from correspondents. Doing so gives the firms more control over the types of loans they get and a larger base of sellers, and it cuts out middlemen. (Regardless, bigger lenders usually do better selling the loans to the Street in bulk, industry executives say.)
One drawback is the fixed costs involved in maintaining such a channel in a cyclical business, observers say. But Street firms face heavier competition for loans from big lenders such as Countrywide Financial Corp. and Washington Mutual Inc., which are increasing their securitization businesses, and rising rates are shrinking the overall pie.
The goal is to make it easy for "as big a seller or as small a seller" as exists to sell to Deutsche, said Michael Commaroto, its head of private-label mortgage-backed securities and whole loan trading.
"We are trying to give our customers an alternative to … conduits sponsored by large mortgage companies or thrifts," he said.
Ms. Matteo reports to Mr. Commaroto. She joined Deutsche, which announced the business line Thursday, in January from National City Corp.'s nonprime lending unit, First Franklin Financial Corp., where she was a senior vice president. Several other members of her team, which is expected to grow to nine people soon, also joined then.
For now her group is buying only nonprime products on a flow basis. But "within a month or two" it will also buy loans categorized as Alternative-A, Ms. Matteo said. Such loans are usually defined as those to prime borrowers who could not provide standard documentation, or were near misses in other criteria.
Deutsche also offers warehouse lines of credit to some correspondents. Eventually, home equity lending and jumbo mortgages will be included in its "whole suite of products," Mr. Commaroto said.
An online automated underwriting system, which it will test soon, will be one key, Ms. Matteo said. Deutsche is licensing the underlying technology from ARC Systems of Austin. It uses a "rules-based system" that is easy to understand, instead of being "a black box," she said.
A dedicated team of employees at Lydian Data Services, a subsidiary of Lydian Trust Co., in Florida will audit loan files after Deutsche buys them to make sure that underwriting conditions are met. It does this for many Street firms.
Amy Brandt, the president of WMC Finance Co. in Woodland Hills, Calif., said many of the other Wall Street firms do not offer automated underwriting in their correspondent channels. Deutsche is "smart to do" so, she said, because it reduces the likelihood of having to buy back loans, making sellers more comfortable.
So far 92 lenders have signed up as Deutsche correspondents, Ms. Matteo said. However, some executives at midsize nonprime firms that were already selling loans to Deutsche said they were not aware of the move.
Hence, some speculated that Deutsche is targeting mortgage brokerages that have recently become lenders, or want to.
Nonprime is "much more broker-centric," noted David Olson at Wholesale Access Mortgage Research and Consulting Inc. in Columbia, Md.
The 50 companies that made American Banker’s annual list are being recognized for establishing strong workplace cultures, offering robust benefits packages and giving employees the room to do their jobs well.
The chief executives of KeyCorp, Comerica, Cullen/Frost, First Republic and Bank of America all received pay bumps of between 31% and 64% in 2021. Here’s a look at the industry’s top-10 finishers.
JPMorgan Chase CEO Jamie Dimon chastised institutional investors who follow the recommendations of proxy advisory services without doing their own homework. The comments came after the bank’s shareholders voted down pay packages for Dimon and other top executives.
A panel of FINRA arbitrators unanimously ordered the award against the megabank based on Erin Ann Daly’s claims of gender-based discrimination.
This year’s stress-test results show large banks have more than enough capital to deal with a major economic crisis, but their capital requirements will likely go up anyway. That has some observers and industry officials concerned credit will tighten even as the economy teeters on the edge of recession.
JPMorgan Chase and Bank of America joined Citigroup in pledging to expand benefits to cover travel for out-of-state abortions. Smaller banks in blue states were more vocal, with one female CEO saying: “I stand in disbelief.”
The bank, which is already a major advertiser in women’s sports, challenged other companies to follow its lead in balancing financial commitments to men's and women's athletics.
Karl K. Klessig provided a fraudulent loan document and forged a signature in an application last year to acquire control of Golden Pacific Bancorp, according to the Federal Reserve.
The Consumer Financial Protection Bureau’s unified agenda was quietly released this week, and it shows that rules on consumer access to financial records and small-business data collection are top priorities.
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Deutsche Börse Group is far more than a mere marketplace organizer for the trading in shares and other securities.
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Working at Deutsche Börse Group: 3 Reviews Review this company
Found 3 reviews matching the search See all 6 reviews
Clearstream Operations (Former Employee) - Praha - December 20, 2016
Indeed Featured review The most useful review selected by Indeed
Typical work day would include reviewing Prospectus and confirming them with Transfer Agents, in CSDs and ICSD's (International Central Security Depository).
I Learned how securities such as shares and trust funds get traded, and entered into the European Stock Market.
Management & co-workers were always around and eager to help.
The most enjoyable part of the job was to interact with people from different countries sharing different cultural differences.
Relaxed work environment, no strict dress code
Yes There are 1 helpful reviews 1 No
Site Reliability Engineer (Current Employee) - Prague, OK - April 13, 2022
- Most IT colleagues will leave in a year or two because managers are inflexible and toxic - DBAG does not know how to run IT projects - Both career growth and benefits are terrible
- Colleagues can be good, even if managers not
- Management style from early 1900s. Toxic. No room for IT pros to grow after max 2 years. Salary, benefits etc average. Its not a good employer
Network Engineer - Intern (Former Employee) - Chicago, IL - December 11, 2012
I really enjoyed my time here. This internship was a great opportunity to see what a Network Engineer position is really all about. Prior to this I had limited interaction with real life networking. I loved finally getting to apply all my theoretical knowledge to a real production network. Although this company has global networks learning how to interact with clients overseas really gave me a piece of mind that I chose the right career path. The Network Engineer was the lead of production at the time. He is a very knowledgeable person. He made sure to throw me into the deep end a few times. He knew I was only there for a short time so we got to work right away. From the first day I updated the public domain registry website for the company as regulated. Next there was a network issue shutting down a key line to Frankfurt, Germany. This is a primary location. We went to the white board and started brainstorming together. The problem turned out to be that the routing documentation on a piece of Cisco equipment wasn't performing how it was suppose to. We had to replace the existing product with a more stable one. This was my first fiber optic networking experience. The Network Engineer had me review and then purchase a 1300nm wavelength transmitting device to deal with the current attenuation issue in the fiber lines. I had never heard of this device or technology at such a detailed level. I quickly began searching the web to figure out what it was that I was needing to purchase and why. After quickly learning about the device and performing a SWOT analysis I had to search - more...
great learning opportunity, hands on real-life experience, christmas parties, new friends
device documentation errors, product errors, ccie's being stumpted, daily commute was long
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3.6 out of 5 stars for Work/Life Balance
3.4 out of 5 stars for Compensation/Benefits
3.8 out of 5 stars for Job Security/Advancement
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