Mortgage Banking Stocks List

Recent Signals

Date Stock Signal Type
2019-08-16 CBSHP 20 DMA Support Bullish
2019-08-16 CBSHP Non-ADX 1,2,3,4 Bullish Bullish Swing Setup
2019-08-16 CBSHP MACD Bearish Signal Line Cross Bearish
2019-08-16 CBSHP 50 DMA Support Bullish
2019-08-16 CCBG Fell Below 200 DMA Bearish
2019-08-16 CCBG Stochastic Reached Oversold Weakness
2019-08-16 CCBG Cup with Handle Other
2019-08-16 CCBG 180 Bearish Setup Bearish Swing Setup
2019-08-16 CIB Crossed Above 50 DMA Bullish
2019-08-16 CIB Pocket Pivot Bullish Swing Setup
2019-08-16 CIB Cup with Handle Other
2019-08-16 CIB Crossed Above 20 DMA Bullish
2019-08-16 CSB Slingshot Bearish Bearish Swing Setup
2019-08-16 CSB Cup with Handle Other
2019-08-16 CSTR 200 DMA Resistance Bearish
2019-08-16 CSTR 50 DMA Resistance Bearish
2019-08-16 CSTR 20 DMA Resistance Bearish
2019-08-16 CSTR Stochastic Reached Oversold Weakness
2019-08-16 CVLY 180 Bullish Setup Bullish Swing Setup
2019-08-16 CVLY Crossed Above 50 DMA Bullish
2019-08-16 GABC Cup with Handle Other
2019-08-16 GABC Golden Cross Bullish
2019-08-16 GABC Crossed Above 20 DMA Bullish
2019-08-16 HBMD Cup with Handle Other
2019-08-16 HBMD NR7 Range Contraction
2019-08-16 HBMD Narrow Range Bar Range Contraction
2019-08-16 MVBF 180 Bullish Setup Bullish Swing Setup
2019-08-16 MVBF 20 DMA Resistance Bearish
2019-08-16 MVBF 50 DMA Support Bullish
2019-08-16 MVBF Cup with Handle Other
2019-08-16 MVBF Non-ADX 1,2,3,4 Bullish Bullish Swing Setup
2019-08-16 PHM Crossed Above 20 DMA Bullish
2019-08-16 PHM MACD Bullish Signal Line Cross Bullish
2019-08-16 PHM 50 DMA Resistance Bearish
2019-08-16 USB Slingshot Bearish Bearish Swing Setup
2019-08-16 USB Crossed Above 200 DMA Bullish

Mortgage bank is a bank that specializes in originating and/or servicing mortgage loans.
In the US a mortgage bank is a state-licensed banking entity that makes mortgage loans directly to consumers. The difference between a mortgage banker and a mortgage broker is that the mortgage banker funds loans with its own capital.
Generally, a mortgage bank originates a loan and places it on a pre-established warehouse line of credit until the loan can be sold to an investor, which are typically large institutions. The credit risk is typically absorbed by the Agencies, which include Fannie Mae, or Freddie Mac, and Ginnie Mae. The process of selling a loan from the mortgage bank to another investor is referred to as selling the loan on the secondary market. This is in contrast to the primary market, which for mortgages typically refers to the bank buying the mortgage deed of trust from the homeowner for the face amount of the loan, adjusted for discount points and other price adjustments.
Mortgage banks sell the loans because the funds received pay down their warehouse lines of credit which enables the mortgage bank to continue to lend. A mortgage bank is not regulated as a federal or state bank and does not take deposits from consumers or businesses. A mortgage bank raises some equity which it uses to guarantee the warehouse line and the bulk of the funds are provided by the warehouse lender.
A mortgage bank can vary in size. Some mortgage banking companies are nationwide. Some may originate a large loan volume, exceeding that of a nationwide commercial bank. Many mortgage banks employ specialty servicers for tasks such as repurchase and fraud discovery work.
Their two primary sources of revenue are from loan origination fees, and loan servicing fees (provided they are a loan servicer). Many mortgage bankers are opting not to service the loans they originate. By selling them shortly after they are closed and funded, they are eligible for earning a "service released premium". The secondary market investor that buys the loan will earn revenue for the servicing of the loan for each month the loan is kept by the borrower.
Unlike a federally chartered savings bank, a mortgage bank generally specializes only in making mortgage loans. Many do not take deposits from customers, and call themselves Mortgage Lenders, to avoid being confused with a typical bank.
A company desiring to enter the mortgage business often chooses to be a mortgage banker vs. a mortgage broker primarily to earn yield spread premiums. Mortgage bankers risk their own capital to fund loans and therefore do not have to disclose the price at which they sell mortgages to another company. Mortgage brokers, on the other hand, earning the same yield spread premium, disclose the additional fee to the consumer because the yield spread premium becomes an additional fee earned and therefore discloseable under federal and state law.A mortgage bank generally operates under the different banking laws applicable to each state they do business in.

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