Mortgage Industry

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Title: Mortgage Industry

Essay Details:

Subject: Business

Author:

Date: May 23, 2013

Level: University

Grade: A

Length: 7 / 1867

Essay text:

The industry landscape is very competitive and is stimulated by home sales and the refinancing that comes about when mortgage rates are low. Large companies have big economies of scale in operations. Small companies compete successfully by funneling mortgages to the large companies. The industry is fragmented at the bottom but highly concentrated at the top: the largest 50 companies hold more than 70 percent of the market (Industry Overview, 2008). Most Americans will own at least one mortgage at some point in his or her life. Consumers often enter into a mortgage agreement blindly and have to play catch-up in order to make knowledgeable decisions concerning their mortgage agreement...

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