eO Insights Blog

Digital Mortgage: Combatting Barriers to eNote Adoption

The electronic promissory note (eNote) is recognized as the most important piece of the mortgage puzzle; however, it is also can be the most challenging as its validity is essential …

Upstart No-Action Letter from CFPB Opens Doors for Marketplace Lenders

Last month, Upstart, an eOriginal client and one of the largest marketplace lenders in the U.S., received a no-action letter from the Consumer Finance Protection Bureau (CFPB). The no-action letter …

Lessons Learned at Digital Mortgage 2017

Participants in the mortgage ecosystem are increasingly seeking ways to maximize the benefits of a digital transformation. Initially this focus was centered around an improved front-end borrower experience, but has …

Hot in FinTech: Millennial Money, Cybersecurity & Bank Charters

Next week, our own Steve Bisbee will discuss “The Digital Transformation of Lending” at Lend360, the FinTech industry’s preeminent event on October 11-13 in Dallas. Let’s quickly run down a …

Employee Spotlight: Brendan Kain, Director of Sales

This month’s employee spotlight features our Director of Sales, Brendan Kain. Brendan started his career with eOriginal a year and a half ago, after spending 10+ years with a wireless …

[ABS EAST] FinTech Continues to Innovate, Evolve and Solve for Structured Finance

More than any previous ABS East conference, the 2017 event focused on the growing role of FinTech innovation. It even included an Innovation Institute to address the growing knowledge gap …

Thought Leaders Weigh-In on the Legality of eNotes

When the mortgage industry began its shift away from paper-based practices, the first phase largely focused on “front-end” application processes that improved the borrower experience. However, as mortgage continues its …

Lending Trends: National Bank Charters for FinTechs?

In Exploring Special Purpose National Bank Charters for FinTech Companies (FinTech Charter Paper), the Office of the Comptroller of Currency (OCC) provides rationale as to why to grant special purpose …

Equipment Lease and Finance: eLeasing is Here to Stay

As equipment lease and finance continues to evolve, businesses are finding the need for a digital financial transaction solution that supports eLeasing has never been more essential. Fortunately, as my …

Subprime Auto ABS Creates Opportunities: Three Clues You’re Ready

Higher delinquencies and lower origination numbers mandate new or improved asset-backed securities (ABS) business model for subprime auto finance market.   You’ve perhaps heard of the shake-up at Uber over …

Five Ways Electronic Asset Management Provides Certainty and Confidence

Financial markets worldwide are experiencing volatility. Whether we can trace this to current events, strong currencies or other business factors, everyone agrees, from the banks to the investment community to …

The Year of eClosing: Fannie Mae’s New eVault is Here!

We are thrilled to announce that Fannie Mae’s new modern, scalable eVault solution that supports a fully digital mortgage experience is now live! To celebrate this milestone, the eOriginal and …

Daylight Transparency: A Win/Win for Lenders and Investors

Recently, the ‘Face of FinTech’ and President Emeritus of Prosper Marketplace Ron Suber chatted with CNBC Asia to highlight the importance of transparency in online lending. In the short video interview, …

A Digital Transformation for Retail Banks: Change is Essential

The digital disruption and transformation of the financial industry is having an impact on retail banks. Further, the pressure to update infrastructure, meet customer demands, comply with regulatory expectations and …

[Infographic] Transparency is a Cornerstone of Digital Transformation in Financial Services

As alternative lenders rise in prominence and traditional lenders look to technology platforms and the digital ecosystems of the future, it’s no secret that convergence is the buzzword for financial …

Employee Spotlight: Austin Copper, Solution Engineer

To wrap-up July we are featuring Austin Cooper, Solution Engineer at eOriginal as this month’s employee spotlight. Austin brings great ideas and strengths to the table and is an asset …

Digital Disruption: Bringing Mortgage into the 21st Century

Today you can buy just about anything online, from furniture to weekly groceries, books, movies and more. But what about your next home? A fully digital eClosing process is now …

Investor Perspectives: How Technology Facilitates Marketplace Loan Secondary Trades

The continuation of our two-part series featuring Security Financial Service’s Senior Vice President Marc Rouda. Investors play an integral role in maintaining a robust secondary market and are the engines …

Powerful Lessons from Recent Lending Headlines

A key principle of the modern lending ecosystem is the concept of selling loans. Without this, many originators would run out of capital and be unable to provide new loans. …

Investor Perspectives: Trust, but Verify

Part I of a blog series featuring Security Financial Service’s Senior Vice President Marc Rouda. We were lucky to catch-up with Marc Rouda, Senior Vice President of Security Financial Services, a …
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