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CYBG mortgage growth slows; maintains margin view

U.K. challenger bank CYBG PLC (CYBG.LN) said Monday that its mortgage growth slowed in its third quarter as expected, but its net interest margin remained in line with guidance despite a competitive lending market.

CYBG said its customer-mortgage balance remained broadly stable at 24.2 billion pounds ($31.7 billion) over the three months to June 30, after moving its mortgage-processing operations led to lower application levels.

The bank said it expects its fourth-quarter mortgage growth to return to a level in line with expectations. As previously announced, CYBG said it expects its fiscal 2018 mortgage growth to be at the lower end of its guidance range.

CYBG said its net interest margin, the difference between the interest it earns on loans and pays out on deposits, has been maintained at 218 basis points over the nine-month period. The lender said it continues to expect a 220 basis points margin for fiscal 2018, despite an "extremely competitive" mortgage market putting pressure on pricing.

Judge Won't Put Marketing Call Suits on Hold for Pending FCC Rules

A federal judge in Camden has ruled that two Telephone Consumer Protection Act suits against Freedom Mortgage Corp. should not be stayed while the Federal Communications Commission develops guidance on what constitutes an automated telephone dialing system under the statute.

The plaintiffs in the pair of cases have plausibly alleged that Freedom contacted them on their mobile phones, U.S. District Judge Jerome Simandle of the District of New Jersey said in his Aug. 2 rulings denying the defendant’s motions to dismiss. And the judge declined Freedom’s request to stay the litigation pending the FCC’s interpretation of what is or is not an automated telephone dialing system, finding that any such guidance from the agency would not be helpful during the current posture of the case.

Freedom Mortgage, headquartered in Mount Laurel, is facing the two putative class actions in the District of New Jersey, lodged over its alleged marketing calls to consumers’ mobile phones.

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