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Top 10 States With Most Untapped Refinance Potential

first_img March 8, 2016 694 Views in Daily Dose, Data, Featured, News, Origination Top 10 States With Most Untapped Refinance Potential Black Knight Financial Services NerdWallet Refinance 2016-03-08 Staff Writercenter_img Share For years, interest rates have been settled at historic lows, which have opened up opportunities for homeowners to refinance their home. The problem is homeowners are not taking advantage of these untouched savings.There are approximately 6.68 million homeowners across America that could save a total of $20 billion annually.A state-by-state analysis by NerdWallet using Black Knight Financial Services data found that California offers the most eligible candidates that have an incentive to refinance their home. These borrowers have a mean credit score <=720, a LTV <=80 percent, and  a high enough current mortgage rate to be worth refinancing (75 basis points or higher than 3.65 percent), according to Kamran Rosen, a data analyst at NerdWallet.Refinances could soon be on the rise, if data from the Black Knight Financial Services Mortgage Monitor for January 2016 is correct.According to the report, the number of borrowers who could both qualify and benefit from a refinance increased by a whopping 1.5 million—all since Jan. 1 of this year. This significant jump can mostly be attributed to the recent drop in interest rates, said Ben Graboske, data & analytics senior vice president at Black Knight.“When Black Knight last looked at the refinanceable population just two months ago, there were 5.2 million potential candidates, and that number was on the decline,” Graboske said. “That analysis was shortly after the Federal Reserve raised its target rate by 25 basis points, at which time the prevailing wisdom was that mortgage interest rates would rise in response.”Rates didn’t rise, however.“Global economic shocks then sent investors looking for the safety of U.S. Treasuries, driving down yields on benchmark 10-year bonds,” Graboske said. “Mortgage interest rates began to fall in defiance of prevailing wisdom, and the refinanceable popular great by 30 percent in the first six weeks of 2016.”In total, the report shows there are now 6.7 million borrowers who could qualify for a refinance and save an average of $3,000 per year. Broken down, 3.3 million of those borrowers could expect to save $200 or more per month, and another million could save as much as $400 or more per month.NerdWallet identified the top 10 states with the most refinance targets: California (912,500 Refinance Targets)Texas (513,200 Refinance Targets)Florida (476,100 Refinance Targets)New York (396,300 Refinance Targets)Illinois (231,800 Refinance Targets)Pennsylvania (225,900 Refinance Targets)Georgia (220,700 Refinance Targets)Washington (219,300 Refinance Targets)Virginia (213,000 Refinance Targets)North Carolina (204,400 Refinance Targets)last_img read more

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Companies in the AsiaPacific region are not makin

first_imgCompanies in the Asia-Pacific region are not making full use of travel management companies (TMCs) and self booking tools (SBTs) when organising their business travel, according to global distribution system (GDS) leader Amadeus.Holding a strong presence in the Asian and Australasian travel markets, Amadeus revealed that its own survey of the business travel market found Asia-Pacific corporations to be lagging behind the US and Europe in their handling of high volume business travel.Carried out in tandem with Intercedent Asia, the survey found that business travel management was a high priority for most big firms in the region, but was not being met by advanced bookings and expense systems.David Brett, Amadeus president for the Asia-Pacific region, said: “In the past decade, the Asia-Pacific region has seen strong economic growth and heavy investment from global companies, particularly in the powerhouses of China and India. This has resulted in increased corporate travel with an ensuing pressure to reduce travel costs, and many companies are now taking a second look at how to make travel more efficient and cost effective.”The survey also found that 94.4 per cent of companies had entered talks with suppliers to bring their travel expenses down, while 83.3 per cent of businesses conducted conferences via phone and video to avoid excessive travel.ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map RelatedQantas integrates Amadeus load control systemFlight management solutions from Amadeus have been further integrated into the activities of Australia’s leading airline.Technology ‘key to success of travel agents in Malaysia’The report shows that travel agencies in Malaysia can thrive if they harness new industry developments.Amadeus: easyJet surcharge spat will be healedAmadeus has given a strong indication that easyJet and bookings systems would not be burning their bridges.last_img read more

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