Oct. 2015 - Diversified We Stand, Divided We Fall

TheMReport — News and strategies for the evolving mortgage marketplace.

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2 | TH E M R EP O RT CO NTE NTS 16 DIVERSIFIED WE STAND, DIVIDED WE FALL The Mortgage Industry Breaks Down Stereotypes through Diversification and Inclusion 25 CORRECTING THE OVERCORRECTION In an attempt to tighten standards after the subprime meltdown, lenders unintentionally shut minorities out of the market. Now, alternative credit scoring is helping to bring them back to the closing table. 29 THE TWO FACES OF THE AMERICAN DREAM Whether intentional or not, the divide between minority and white borrowers continues to grow. 32 DIGITAL ORIGINATIONS IN A POST-TRID ENVIRONMENT As the industry continues to streamline eTechnology, the days of the paper mortgage are numbered. DEPARTMENTS 5 TAKE 5 Juanita Russell., MERSCORP Holdings, Inc. 6 MDWELL Attracting the First-time Home Buyer: Cities First-Time Buyers Are Bound to Find Most—and Least—Desirable 10 TAKING ON TRID Several industry heavyweights have unveiled savvy ways to help fellow industry members—and their clients—be in control and in compliance. (And we hear they pack a serious punch.) 12 MCROWD Who's moving on and who's moving up in the industry

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