Salient to Investors:

New York Fed President William Dudley said the gap between bond yields and home-loan rates is blunting the economic benefits of the Fed’s record accommodation.

Stephen Stanley at Pierpont Securities said banks are disinclined to lower mortgage rates. David Cannon at Royal Bank of Scotland said banks are reluctant to hire because they know that record low borrowing costs can’t last and everyone knows rates will rise eventually.

Willie Newman at Taylor Capital said its harder for new mortgage companies to gain approval to enter the business as oversight becomes more stringent.

Read the full article at http://www.bloomberg.com/news/2012-12-24/fed-flummoxed-by-mortgage-yield-gap-refusing-to-shrink-economy.html.

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