Review Mortgage Lenders

First Horizon Home Loans

First Horizon Loan Officer talk about financing options

Taylor Vilhauer, a Relationship manager for First Horizon Home Loans in Vancouver, WA talk about different options that home buyers have in this ...

Why Doesn't the Real-Estate President Have a Plan to Fix Housing?

Fewer millennials are buying homes than prior generations — and not because they are splurging on lattes and avocado toast. Younger households are put off by high down payments, lingering student loan debt and tighter credit, with Black families particularly hard-hit. The Trump administration and congressional Republicans’ instincts to reduce the role of government could rattle boom times at the market’s high end without addressing the darker predicament for many families struggling to find affordable shelter.

The federal government’s role in the housing market swelled in the financial crash. With the federal takeover of Fannie Mae and Freddie Mac, plus existing government insurance programs, a 2014 report found that more than 70 percent of new residential mortgages were backed by the federal government. In fact, the Federal Housing Administration, which offers mortgages with down payments as low as 3.5 percent, is one of the few places where first-time homebuyers with less than pristine credit histories can turn.

The Contrasting Community Trust Bancorp (CTBI) & First Horizon National Corp (FHN)

This table compares Community Trust Bancorp and First Horizon National Corp’s net margins, return on equity and return on assets.

Earnings and Valuation

This table compares Community Trust Bancorp and First Horizon National Corp’s top-line revenue, earnings per share and valuation.

First Horizon National Corp has higher revenue and earnings than Community Trust Bancorp. Community Trust Bancorp is trading at a lower price-to-earnings ratio than First Horizon National Corp, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

Community Trust Bancorp has a beta of 0.61, meaning that its share price is 39% less volatile than the S&P 500. Comparatively, First Horizon National Corp has a beta of 1.17, meaning that its share price is 17% more volatile than the S&P 500.

Dividends

Community Trust Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 2.8%. First Horizon National Corp pays an annual dividend of $0.28 per share and has a dividend yield of 1.5%. Community Trust Bancorp pays out 47.6% of its earnings in the form of a dividend. First Horizon National Corp pays out 29.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Horizon National Corp has increased its dividend for 36 consecutive years.

Help with state of mortgage industry?

ok i know that the mortagage industry is really bad right now. my dad manages a first horizon home loans office and i think his job might be at stake. i am only 13 and my dad wont talk about it but im really worried about it.


First Horizon is a very conservative shop so business will be slow, but they will stick around.

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