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This sponsored content article is provided to the credit union community for shared insights and knowledge from a recognized solutions provider in the industry. Please note that the views and opinions offered here do not reflect those of Callahan & Associates, and Callahan does not endorse vendors or the solutions they offer.

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January 31, 2005

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7/26/2012 04:12 PM

What product they were successful with, how was it priced, how was it marketed, were employees incented to sell it, was it saleable or strictly portfolio, etc. I use PA and its a great tool - but members will not use it unless your have the products & marketing to lure them to it and the internal expertise to get the borrower to commit to your desired product - in this case ARM's. I'm with a $55 million CU and over the past 2 year we have closed 350 first mortgages loans for approx. $60 million and of those only about $5M illion have been ARM's - no matter how hard we try - in today's rate environment we find it extremely difficult to attract ARM's.

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