Operations Employee Of The Quarter!

Lance Rawlinson

Lance lives in the small town of Celina, TX with two Dirty Cow Dogs, two Cats, a Macaw, a ton of books & a few guns. Some of Lance's hobbies are reading, cleaning, ironing, and taking in as much baseball as is humanly possible, as well as taking the occasional nap.

Lance's favorite thing about LeaderOne: My colleagues who are always pleasant, supportive and willing to help when things get a bit sideways and doing so with smiles on their faces!

Comments by Lance's Co-Workers:

"Lance is one of the most dedicated employees you could find. He has even been known to drive to work through ice storms if he feels there are customers relying on him."

--Michael Stoddart, COO

"Always there to answer any questions or pick up any slack when needed even though he is on a different team."

"Helpful, positive, educational."

Sales Employee Of The Quarter!

Andrea Barnes

Andrea comes form Grain Vally, MO, with her husband and three children. They enjoy going to the Lake of the Ozarks during the summer, love the outdoors and boating and love getting involved with all of their kids activites and sports!

Andrea's favorite thing about LeaderOne: Watching the company grow and expand and I love that everyone can have an impact on the direction of the company, the sky is the limit!

Comments by Andrea's Co-Workers:

"Andrea started as a processor with L1, became a loan officer, hired an LO, opened her office and added two more employees... now a Tier Two.... she definitely had a plan and followed it through. In addition, I have seen nothing but EXCEPTIONAL customer surveys from her closings. They state her knowledge, professionalism and timely closings as reasons they will continue to come back to LeaderOne! Great job, Andrea!"

- David Brockes, Regional Manager

"Andrea started our branch a year and half ago and has now grown our team to 2 LOs and 2 Processors. She is always spearheading new ideas and implementing new plans to grow our office."

Questions? Call LeaderOne Financial at 800-270-3416.
We are always available to help make sense of the market.

Mortgage News Daily News Feed

MBS RECAP: Positive Reprices as Bond Markets Breathe Sigh of Relief

Posted To: MBS Commentary

Most of the conceptual analysis of today's action was already covered in the Mid-Day . There were no significant developments into the afternoon, but bond markets continued to rally in linear path. If there had been any argument to be made for connectivity between stock prices and bond yields, it went out the window in the afternoon as stocks swung wildly lower and higher without so much as a passing glance from bond markets. 10yr Treasuries hit their official 3pm close 3bps lower at 2.58. Fannie 3.5s are 9 ticks higher and still climbing with an hour left. These levels are notably in line with those seen before this week's FOMC events. In fact, MBS just ticked to their best levels of the week. Most lenders released positive reprices in the afternoon, but rates remained in line with...(read more)

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Mortgage Rates Recover Slightly

Posted To: Mortgage Rate Watch

Mortgage rates moved slightly lower today after hitting the highest levels in more than 4 months yesterday. There were no significant economic events providing guidance today. This actually makes the strength more meaningful as the absence of big-ticket events left bond markets to their own devices. In that sense, the rally was more of a conscious choice. Rate quotes fell back in line with those seen on Monday. Most borrowers will see the changes in the form of closing costs as the move wasn't big enough to affect rates themselves. 4.25% remains to most prevalently quoted conforming 30yr fixed rate for top tier scenarios. This week ends on a bittersweet note. On one hand, Friday's loan costs improved at the best pace of the entire month. On the other hand, not only was it a small improvement...(read more)

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Lenders Expect Easing in both Mortgage Demand, Credit Standards

Posted To: MND NewsWire

In its latest Mortgage Lender Sentiment Survey Fannie Mae detected an interesting switch in attitudes and opinions in two areas. The third-quarter survey, the third since Fannie Mae originated the series last March, found that large lenders expect to see their underwriting standards ease over the next three months. Perhaps not coincidentally, the share of lenders of lenders, regardless of the size of the institutions they represent, who expect the demand for purchase mortgages to go up over the next three months dropped by 26 to 33 percentage points depending on the mortgage type. The largest decline in expectations was for GSE-eligible loans where the percentage of respondents expecting borrower demand to increase fell from 54 percent in the second quarter to 21 percent. The other categories...(read more)

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MBS MID-DAY: Back to Pre-FOMC Levels; Here's Why

Posted To: MBS Commentary

Both MBS and Treasuries are back in line with trading levels from the close of business on Tuesday. Today's gains have been moderate during the domestic session, but border on extreme if we cound the overnight session. For example, 10yr yields were as high as 2.655 and are now down into the 2.5's. That's not the kind of movement we typically see on a day without any significant events to motivate trade. So what's motivating trade then? As I said in Wednesday's commentary after the Fed announcement, there have been other factors in play that could easily outweigh the anticlimactic response to the Fed. Several of these factors are now conspiring to give us a boost. We'll talk more about these in the coming week, but here's a short list for now. First up on the 'short'...(read more)

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Stearns' New Exec; CFPB's Auto Loan News; Upcoming Training and Events

Posted To: Pipeline Press

Arrgghh... I read in Pirate Quarterly that you could take the entire human population of the earth, put it inside of Texas, and it would still be less crowded than New Yorrrrk City. (So I checked. NYC is 469 square miles, 8.3 million people, so 17,700 people per square mile! Texas is 268,820 square miles, which at 17,700 people per square mile would accommodate 4.75 billion people.) But there are 7.2 billion of us. Fortunately Alaska is twice the area of Texas, so at least we can say one state would hold the earth's population at the same density as Manhattan. For something a little more relevant, check out this cool mortgage map . It shows lending trends over the last several years here in the United States (click on "interactive map" in the text to watch it). In 2002 I remember looking out...(read more)

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