Lending

Home Equity

By Marc Rapport | March 6, 2017

Targeted promotions generate enough volume to make up for the smaller margin on home equity lines at SECU of Maryland.

By Marc Rapport | Jan. 2, 2017

Credit unions used creative ways to serve new markets and members throughout 2016, and they survived the first year of some dramatic document changes.

By Marc Rapport | April 4, 2016

Home equity lines of credit are drawing renewed interest among banks and credit unions as housing prices rebound amidst consumer confidence.

Credit unions can and should identify HELOC candidates and win that business before interest rates rise.

By Marc Rapport | Oct. 22, 2015

Not all dark waters as TRID changes take effect and HMDA changes announced, but much work remains.

By Marc Rapport | June 11, 2015

Call it what you will, CFPB's promise to go easy on mortgage disclosure changes provides some temporary relief.

By | April 6, 2015

Credit unions can use number crunching to identify mortgage and HELOC candidates.

By Marc Rapport | Dec. 11, 2014

Integrated mortgage disclosures top list of regulatory changes approved or under consideration in the year ahead.

By Callahan & Associates | Oct. 1, 2014

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Marc Rapport | Sept. 29, 2014

How three credit unions are using creative home equity lending programs to defy a national trend.

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By Drew Grossman | May 19, 2014

To draw on a home equity line of credit, Hanscom Federal members can use a credit card and lock in rates for portions of the loan.

By Drew Grossman | Oct. 28, 2013

Four state realtor associations talk about the housing market in some of the country’s most active regions for credit unions.

By Catherine Siskos | Oct. 28, 2013

At Heritage FCU, a niche product turns first mortgages with low balances into home equity loans.

By Aaron Pugh | Oct. 28, 2013

By investing in key employees and forward-looking products during the recession, Workers’ Credit Union laid the groundwork for its current success.

By Rebecca McClay | Oct. 15, 2012

Each mortgage modification a credit union makes to help members avoid foreclosure keeps the housing market in better health.

By Rebecca Wessler | Oct. 1, 2012

A diverse mix of loan products has enabled Members 1st Federal Credit Union to post impressive growth numbers while providing for a community with differing needs.

By Bailey Reutzel | Sept. 24, 2012

Environmentally friendly Vermont State Employees explores loan options to help members retrofit their homes for savings.

By Bailey Reutzel | Aug. 26, 2012

The nation's oldest credit union is evolving its loans and processes to post best-in-class loan growth.

By Bailey Reutzel | April 2, 2012

Credit unions can accommodate their older demographic with reverse mortgages, financial investment services, and elder abuse education.

By Aaron Pugh | March 12, 2012

First New England Federal Credit Union and its CUSO lay the groundwork for additional rounds of refinance assistance.

By Rebecca McClay | Nov. 14, 2011

A Loan Saver application that reveals savings in converting to a Belvoir Federal Credit Union loan has already attracted several refis.

By Rebecca McClay | Sept. 19, 2011

Credit unions can help members tap home equity to provide better financial security.

By Dane Coalson | Aug. 5, 2009

The Credit Card Accountability Responsibly and Disclosure (CARD) Act, published on July 15th, was designed to protect consumers from predatory practices in credit card programs. Only recently have the full compliance implications surfaced. Many credit unions have been confronted with a host of last minute compliance issues as the bill's reach is all open end lines of credit, not cards alone.

By Alix Patterson | April 13, 2009

Starting with the September 30, 2008 call report, credit unions were required to report their loan modification efforts. The data show that not all credit unions are reporting modifications and delinquency the same way but it does point to a growing challenge facing the industry. Here’s a brief look at the numbers in 5 easy-to-understand charts.

By Lydia Cole | Dec. 8, 2008

Credit unions, without government assistance or prompting, have officially reported 6,642 modified mortgages, with just over $1 billion outstanding in modified mortgage loans.

By Mary Royston | May 14, 2007

One of the biggest players in home mortgage finance has announced a no fee first mortgage product. The implications for credit unions are momentous.

By Jay Johnson | May 29, 2006

Real estate loans outstanding rose 13.7 percent over the past 12 months according to first quarter data. The data also shows that rising rates are leading to a shift in member preference toward fixed rate real estate loans, particularly in home equity borrowings.

By Tom Geggel | March 13, 2006

Given all of the recent attention spent analyzing the real estate market’s potential downturn, is all of the hype merited?

By Tom Geggel | March 7, 2005

Should credit unions offer teaser rates on their HELOCs? Executives from six credit unions offer their opinions on teaser rates.

By Callahan & Associates | Jan. 24, 2005

By Melissa Murphy | Dec. 13, 2004

Loan growth continues to outpace slowing share growth in the third quarter. Learn how home equity line of credit (HELOC) and mortgages are fueling loan growth and one credit union experienced 44.6% quarterly loan growth.

By Bret Remey | Dec. 6, 2004

Second mortgage and home equity line of credit (HELOC) product lines increased in the third quarter. Find out what contributed to the growth and the projected future impact.