Lending

Mortgages

By Rebecca Wessler | Aug. 5, 2019

Five can't-miss data points this week on CreditUnions.com.

By SWBC | Aug. 5, 2019

Turnaround times, member service, benefit from efficient LOS processes, especially in an environment of falling interest rates.

By Erik Payne | July 29, 2019

Applying for a mortgage can be stressful and opaque. A new platform from the nation’s largest credit union improves the experience for would-be homeowners.

 

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By Rebecca Wessler | May 20, 2019

Five can't-miss data points this week on CreditUnions.com.

By Samantha Cristobal | May 20, 2019

First mortgages added $36.3 billion to the total loan portfolio in 2018.

By Celeste Karwan | May 16, 2019

Seattle and Washington, DC, are outperforming national averages in income and housing. But how do these markets fare in credit union membership growth and engagement metrics?

By Rebecca Wessler | March 1, 2019

Based on February traffic (and our editorial instincts), here are the top articles and blogs that appeared on CreditUnions.com.

By Erik Payne | Feb. 4, 2019

Last summer was the most competitive homebuying season of all time, and credit unions are preparing for more action in 2019.

By Samantha Cristobal | Jan. 2, 2019

Total loans at U.S. credit unions increased 9.5% in the third quarter of 2018 and reached an all-time high.

By Aman Johal | Dec. 11, 2018

First mortgage balances at credit unions were up 9.9% as of Sept. 30, 2018.

By Aman Johal | Nov. 15, 2018

Membership growth, earnings gap, and lending market share — find out how credit unions performed in the third quarter.

By Maya Neuman | Oct. 1, 2018

The credit union loan portfolio surpassed $1.0 trillion in the second quarter of 2018. Dig deep into this piece of the balance sheet.

By Erik Payne | Aug. 8, 2018

Homebuying can be scary. Jeanne D’Arc’s housewarming parties help members cut loose and celebrate a new stage of life.

By Fannie Mae | Aug. 6, 2018

How BECU uses Fannie Mae HomeReady Mortgage program and financial education to enable members to buy their homes.

By Ian Melhorn | Aug. 6, 2018

First quarter lending at credit unions contributed to an expanding balance sheet.

By Rebecca Wessler | July 30, 2018

Five can’t-miss data points this week on CreditUnions.com.

By Aman Johal | July 30, 2018

Real estate loans are among the best performing loans in the credit union portfolio. See what happened in the first three months of the year.

By Erik Payne | July 1, 2018

Jeanne D’Arc serves members of all incomes with one goal in mind: Help them better their financial lives.

By Rebecca Wessler | June 4, 2018

Based on May traffic (and our editorial instincts), here are the top articles and blogs that appeared on CreditUnions.com.

By Erik Payne | May 8, 2018

After the Category 4 Hurricane Harvey decimated parts of southeastern Texas, TDECU vowed to keep 100% of its members in their homes.

By Rebecca Wessler | May 7, 2018

Five can’t-miss data points this week on CreditUnions.com.

By Erik Payne | May 7, 2018

Three Callahan millennials talk about what it takes to buy a home, from the emotional connection to setting long-term savings goals.

By Rebecca Wessler | April 23, 2018

Five can’t-miss data points this week on CreditUnions.com.

By Maya Neuman | April 23, 2018

Real estate lending continues to dominate the loan portfolio, with first mortgage lending taking the largest share.

By SWBC | April 2, 2018

Mini-houses, alternative leasing options, robust apps, are just part of the opportunity and challenges for serving a generation about to inherit trillions.

By Rebecca Wessler | March 26, 2018

Five can’t-miss data points this week on CreditUnions.com.

By Erik Payne | March 26, 2018

How an FHLB down payment assistance program helps Empower FCU build a purchase-heavy real estate portfolio.

By Victoria Taylor | March 26, 2018

This millennial couple is moving into a mortgage. Follow their first-time homebuyer story.

By Rebecca Wessler | Feb. 26, 2018

Five can’t-miss data points this week on CreditUnions.com.

By Victoria Taylor | Feb. 26, 2018

This millennial couple is moving into a mortgage. Follow their first-time homebuyer story.

By Rebecca Wessler | Feb. 20, 2018

Five can’t-miss data points this week on CreditUnions.com.

By Ian Melhorn | Feb. 5, 2018

Real estate penetration at the Pine Tree State credit union reached 30.65% in the fourth quarter 2017.

By Sam Taft | Feb. 5, 2018

Growth percentiles in major lending categories highlight opportunity and success in the credit union loan portfolio.

By Aman Johal | Dec. 25, 2017

First mortgages are on the rise as the real estate portfolio shifts.

By Rebecca Wessler | Dec. 25, 2017

Five can’t-miss data points this week on CreditUnions.com.

By Aman Johal | Dec. 1, 2017

Credit unions reported positive year-over-year balance sheet growth for all first mortgage lending products in the third quarter of 2017.

By Erik Payne | Nov. 15, 2017

One millennial wonders if he will have to rent for the rest of his life.

By Rebecca Wessler | Nov. 13, 2017

Five can’t-miss data points this week on CreditUnions.com.

Understanding the role of family and technology can go a long way toward becoming the trusted agent for that most major of purchases.

By Fannie Mae | Nov. 13, 2017

Credit unions can use their traditional member service strength as an advantage in the digital age.

By Liz Furman | Nov. 13, 2017

Secondary market sales of burgeoning credit union mortgage share remains dominant, but credit unions are selling more loans to each other, too.

By Aman Johal | Nov. 13, 2017

New HMDA data shows how credit unions in different NCUA regions fared in 2016. And finally, loan purpose.

By Aman Johal | Nov. 8, 2017

New HMDA data shows how credit unions in different NCUA regions fared in 2016. Up now, loan type.

By Sam Taft | Nov. 7, 2017

In episode No. 836, Callahan's Senior Director of Industry Analysis Sam Taft joins the show to discuss trends in the mortgage market.

By Rebecca Wessler | Nov. 6, 2017

Five can’t-miss data points this week on CreditUnions.com.

By Aman Johal | Nov. 6, 2017

New HMDA data shows how credit unions in different NCUA regions fared in 2016. Up first, mortgage originations.

By Rebecca Wessler | Oct. 30, 2017

Five can’t-miss data points this week on CreditUnions.com.

By Liz Furman | Oct. 30, 2017

New HMDA data illuminates which credit unions, banks, and mortgage finance companies generate the most mortgages across the country.

By Callahan & Associates | Oct. 26, 2017

Callahan's analysts examine changes in market share at national, regional, and state levels using HMDA data.

By Liz Furman | Oct. 17, 2017

Did your state increase mortgage market share? See what state-level trends emerged with the recently released HMDA data.

By Erik Payne | Oct. 2, 2017

Hope and Latino Community credit unions share products expanding homeownership in communities of color.

By Marc Rapport | Sept. 25, 2017

A new strategy at Purdue Federal has delivered a $1.5 million bump in interest income and an anticipated 3-basis-point jump in ROA.

By Elan Financial Services | Sept. 11, 2017

A focus on growing the credit card portfolio can yield growth among multiple loan touch points.

By Tim Mislansky | Sept. 7, 2017

Remember the 90s? That's the last time first-time homebuyers purchased homes at the same level as second quarter 2017.

By Victoria Taylor | Sept. 6, 2017

This millennial couple is moving into a mortgage. Follow their first-time homebuyer story.

By Aman Johal | Sept. 1, 2017

See by how much the industry's mortgage portfolio grew in the second quarter.

By Marc Rapport | Aug. 28, 2017

Interest on loans drive the income train, but other revenue streams are steaming along.

By Erik Payne | Aug. 28, 2017

An investigation into whether millennials should take responsibility for killing homeownership.

By Sam Taft | Aug. 21, 2017

Fewer credit unions are originating mortgages, but credit union mortgage market share is increasing. Learn about the driving forces behind these trends.

By Rebecca Wessler | Aug. 21, 2017

Five can't-miss data points featured this week on CreditUnions.com.

By Rebecca Wessler | Aug. 14, 2017

Five can't-miss data points featured this week on CreditUnions.com.

By Erik Payne | Aug. 14, 2017

A fledgling title insurance CUSO at California Credit Union saves dollars and makes sense.

By Jon Jeffreys | Aug. 9, 2017

An analysis of home values by ZIP code could topple the assumption that owning a home remains the best of investments.

By Maya Neuman | Aug. 9, 2017

KeyPoint Credit Union offers a range of loan products to help members enter the housing market.

By Rebecca Wessler | July 31, 2017

Five can't-miss data points featured this week on CreditUnions.com.

By Aman Johal | July 24, 2017

Credit unions are taming risk and outperforming other financial institutions.

The largest generation yet has only known low rates. Education and comparison tools could go a long way toward preparing them, and your credit union, for future home buying.

Learn more about the next feature being added to the banking experience.

By Victoria Taylor | July 10, 2017

This millennial couple is moving into a mortgage. Follow their first-time homebuyer story.

By Greg Gonsalves | July 1, 2017

In the past five years, not only the types of mortgage originations but also the average size of first mortgages have changed.

By Victoria Taylor | June 28, 2017

This millennial couple is moving into a mortgage. Follow their first-time homebuyer story.

By Victoria Taylor | June 1, 2017

This millennial couple is moving into a mortgage. Follow their first-time homebuyer story.

By Tim Mislansky | May 29, 2017

The housing market is hot right now. Here's what credit unions can do to make homeownership a reality for members.

By Liz Furman | May 10, 2017

Mortgage loan originations had a strong first quarter, but credit unions are keeping a larger percentage of mortgages on their books.

By Marc Rapport | May 8, 2017

Down payment assistance, home-buyer education, and savings plans are among the tools used by New York University FCU and San Mateo Credit Union to put members in homes in the hottest markets.

By Sam Taft | May 8, 2017

Credit unions lent $461.2 billion throughout 2016, surpassing 2015 totals by 12.3%. See how top, middle, and lagging performers differed.

By Mark Manicone | May 1, 2017

The American Dream is a strong national ethos that defines this country. But has that dream evolved, and does it mean the same thing for me as it once did for past generations?

By Marc Rapport | April 24, 2017

A lean, not mean, operation helps this Beantown, SEG-focused credit union top the charts in member metrics.

By Rebecca Wessler | April 10, 2017

Four can't-miss data points featured this week on CreditUnions.com.

By Erik Payne | April 10, 2017

How a loan consortium in La Crosse, WI, aims to rebuild downtown and keep college students in state.

By Callahan & Associates | April 10, 2017

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the fourth quarter of 2016.

The self-employed represent 10% of the nation’s workforce. Discover the tools you need to take your business with self-employed borrowers to the next level.

By Callahan & Associates, Inc. | March 23, 2017

Callahan & Associates and Jim Minge discuss how Texas Trust determined its goals, laid out its plan, and worked its 5-year strategy.

By Fannie Mae | March 6, 2017

There’s help out there for ensuring QC happens among people and processes.

By Ian Melhorn | March 6, 2017

The strong lending growth posted by U.S. credit unions in fourth quarter 2016 is an apt wrap-up for a successful year.

By Rebecca Wessler | March 6, 2017

Five can't-miss data points featured this week on CreditUnions.com.

By Jon Jeffreys | March 2, 2017

This is not an indictment of large credit unions. Instead, I hope it’s a reminder to all of us of why we're here.

By SWBC | March 1, 2017

Expand your payment channels, conduct a “user journey” audit, and partner with experienced, trusted providers.

By Erik Payne | Feb. 20, 2017

How Texas Trust’s approach to lending, technology, and convenience paved the path to asset growth.

By Sam Taft | Feb. 13, 2017

Credit unions originated $343.6 billion through third quarter 2016 — that's an all-time record. See which areas contributed to this double-digit year-over-year growth.

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 Rebecca Wessler | Jan. 2, 2017

Four can't-miss data points featured this week on CreditUnions.com.

By Sharon Simpson | Dec. 19, 2016

University Credit Union in Orono, ME, creates new positions and titles to streamline its lending environment.

By Callahan & Associates | Dec. 12, 2016

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

By Michelle Parker | Dec. 9, 2016

Digital offerings and strategies that drive online mortgage originations are put to the test at the annual Digital Mortgage Conference in San Francisco.

By Callahan & Associates, Inc. | Dec. 7, 2016

Callahan & Associates and Dutton discuss how Altra FCU's after-hours education sessions turns potentially dry presentations into a happy hour for would-be homeowners.

By Callahan & Associates | Dec. 1, 2016

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the third quarter of 2016.

By Rebecca Wessler | Dec. 1, 2016

The year of the monkey is in the books. Say hello to the year of the rooster.

By Michelle Parker | Nov. 15, 2016

The latest HMDA data is here. Check out trends in the mortgage industry, including state leaders.

By CU Direct | Nov. 14, 2016

Mortgage lending success in today’s marketplace begins with clear, timely communications with members.

By Fannie Mae | Nov. 14, 2016

Enhanced validation service and property inspection waivers will save credit unions’ borrowers time and money.

By Erik Payne | Nov. 14, 2016

Freedom First’s microloan program helps low-income members build credit and a nest egg.

By Michelle Parker | Nov. 14, 2016

HMDA data reveals who is, and who isn't, taking out mortgages.

By Rebecca Wessler | Nov. 7, 2016

Four can't-miss data points featured this week on CreditUnions.com.

By Sam Taft | Nov. 7, 2016

Check out how the credit union loan portfolio fared in the first six months of 2016.

By Michelle Parker | Nov. 7, 2016

What does new Home Mortgage Disclosure Act data say about credit union performance?

By Callahan & Associates | Oct. 31, 2016

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the second quarter of 2016.

By Erik Payne | Oct. 31, 2016

Funds from an FHLB program helps TruWest Credit Union put members into affordable homes.

By Michelle Parker | Oct. 31, 2016

While home equity lines of credit and second mortgages account for a smaller portion of real estate loans, consumers are using them to a great extent.

By Erik Payne | Oct. 24, 2016

Altra FCU’s after-hours sessions turns potentially dry presentations into a happy hour for would-be homeowners.

By Michelle Parker | Oct. 24, 2016

Which 10 credit unions top the origination list in MortgageAnalyzer?

By Member Mortgage Services, Ltd. | Oct. 20, 2016

Just like today’s autos, it takes a specialist to know what’s under that mortgage’s hood, and to make sure it runs like a champ.

By Dwight Johnston | Oct. 18, 2016

What do jobs, houses, and autos say about the road ahead for credit unions?

By Victoria Taylor | Oct. 17, 2016

A closer look at Home Mortgage Disclosure Act (HMDA) data shows credit unions hold steady and bank market share declines.

By Callahan & Associates | Sept. 28, 2016

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

By Michelle Parker | Sept. 21, 2016

In episode No. 635, Callahan senior industry analyst Michelle Parker shares how credit unions in Iowa, Arkansas, Ohio, and Mississippi lead the nation in mortgage lending growth.

By Michelle Parker | Sept. 12, 2016

In July 2016, Callahan & Associates surveyed 170 credit union executives from 40 states to gain insight into their current and emerging sources of non-interest income.

By Sam Taft | Aug. 22, 2016

Growth percentiles in major lending categories highlight opportunity and success in the credit union loan portfolio.

By Michelle Parker | Aug. 16, 2016

Second quarter data shows industry real estate loan growth is strong, but lenders should take portfolio quality and state-level trends into consideration.

By Callahan & Associates | July 4, 2016

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the first quarter of 2016.

By Marc Rapport | June 14, 2016

Empowering and engaging potential new homeowners and honoring obligations to military borrowers get close scrutiny at opening day of NAFCU’s annual conference.

By Dahna Chandler | May 30, 2016

The Virginia credit union changed its mortgage lending paradigm to accommodate members’ availability and interests.

By Erik Payne | May 9, 2016

Directions Credit Union has increased its construction portfolio nearly 50% year-over-year. Here’s how the Ohio credit union does it.

By Stephanie Clark | May 9, 2016

Credit union lending reached a record high of $796.5 billion in 2015 as cooperatives posted year-over-year growth in every major loan category.

By Callahan & Associates | April 30, 2016

A break down of the industry’s financial performance and impact in fourth quarter 2015.

By Dwight Johnston | April 28, 2016

As peak season for home sales approaches, the outlook for mortgage lending remains positive.

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.

By Marc Rapport | April 4, 2016

The experience of two credit unions shows prepping early for the TILA-RESPA Integrated Disclosure form changes paid off.

By Fannie Mae | April 4, 2016

Multi-generation households are showing up in U.S. Census data and can be effectively served with underwriting software.

By Michelle Parker | April 4, 2016

Callahan & Associates surveyed more than 200 credit union executives regarding their preparation, implementation, and post-TRID experiences.

By Michelle Parker | April 4, 2016

Has TRID caused delays in credit union mortgage closings? If so, why? Find out what more than 200 credit union leaders report.

By Rebecca Wessler | April 4, 2016

This week, CreditUnions.com features stories on some of the biggest mortgage topics of 2016, including TRID and growing awareness.

By Erik Payne | March 14, 2016

After only a few years, two new offices in Washington, DC, are responsible for 60% of the mortgage loan growth recorded by United Nations Federal Credit Union.

By Stephanie Clark | March 7, 2016

Before year-end data closes the books on 2015, take a look at these successes in the credit union loan portfolio.

By Callahan & Associates | Feb. 5, 2016

In this webinar, Callahan & Associates and Jon Paukovich, senior vice president and chief lending officer of Ent, discuss how Ent drives awareness among all parties in the home-buying process as well as how it plans to further develop this outreach.

By Sam Taft | Feb. 1, 2016

In today’s changing and often-uncertain economic environment, balance sheet management is top-of-mind with credit union executives.

By Sharon Simpson | Feb. 1, 2016

Kevin Kesecker, vice president and chief lending officer for SECU of Maryland, offers advice on how to review packaged loans to make sure they are attractive — and worthwhile — to the credit union.

By Callahan & Associates | Jan. 27, 2016

In this webinar, Callahan & Associates and Steve VanSickler, chief credit officer at Silver State Schools Credit Union, discuss the nuts and bolts of the its real estate agent cash rebate and how that rebate creates value for the member, the credit union, and the real estate agent.

By Rebecca Wessler | Jan. 25, 2016

This week, CreditUnions.com is featuring performance data and vetted strategies from leaders in the lending sphere.

By Callahan & Associates, Inc. | Jan. 14, 2016

In this webinar, Kevin Kesecker, chief lending officer of SECU of Maryland, discusses loan participations and how to structure a deal that is attractive to both buyers and sellers.

By Tim Mislansky | Jan. 6, 2016

Each year, the National Mortgage News publishes a list of top 200 loan originators. Here's why credit unions need to be on the list.

By Callahan & Associates | Dec. 31, 2015

A break down of the industry’s financial performance and impact in third quarter 2015.

By Marc Rapport | Dec. 21, 2015

Check out how these forward-leaning credit unions took advantage of a growing economy and responded to regulatory challenges to keep loans growing.

By Erik Payne | Nov. 23, 2015

Learn how St. Mary’s Bank offers low-income first-time homebuyers a reprieve from mounting down payment and closing costs.

By Erik Payne | Nov. 16, 2015

State Employees’ Credit Union takes a decentralized approach to its lending model. How does it work, and why does the credit union believe this complex, pricey model is worth it?

By Arch Mortgage Insurance Company | Nov. 16, 2015

Individualized, timely service and best rate possible for mortgage insurance can help seal the deal.

Making it easy to modify loans increases yield and revenue while building loyal relationships to last beyond the original note.

By First American | Nov. 2, 2015

Mortgage lenders are using data to gain an edge in closing more high-quality home loans.

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

By Fannie Mae | Nov. 2, 2015

Today's mobile generation can access end-to-end information during the mortgage process, and credit unions can customize apps with branded marketing messages.

By Rebecca Wessler | Nov. 2, 2015

Mortgages comprise more than 41% of the credit union industry's balance sheet. As new regulations take form, the mortgage business is more complex than ever before.

Communication with real estate partners and with members will make disclosure changes less of a barrier to getting a home purchase closed.

By Marc Rapport | Oct. 22, 2015

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

By Sam Taft | Sept. 30, 2015

Overall mortgage originations declined last year across the United Sates for all financial institutions, yet credit unions carved out a larger piece of the lending pie.

By Marc Rapport | Aug. 20, 2015

Surging credit union metrics combine with startling measures of Americans’ financial woes to paint picture of opportunity and challenge.

By Erik Payne | Aug. 1, 2015

SECU shares how it prepared its 1,800 certified mortgage loan originators for changes resulting from the new loan disclosure rules.

By Erik Payne | Aug. 1, 2015

Ent FCU shares how it nails down the right communicative approaches for its members, its partners, and the larger marketplace.

By Erik Payne | Aug. 1, 2015

How two credit unions developed successful niche mortgage products to satisfy the needs of their memberships.

By Erik Payne | Aug. 1, 2015

A self-built program at Silver State Schools gives homebuyers a break and provides realtors another avenue to source clients.

By Callahan & Associates | July 15, 2015

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

By Aaron Pugh | July 1, 2015

Greater Nevada shares seven changes it has made over the past decade that have helped it succeed, no matter how the dice roll.

By Marc Rapport | June 25, 2015

When it comes to influencing regulators, whether credit union bills make it into law is often not as important as the attention they attract. Here's an update on why.

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 Jon Jeffreys | June 10, 2015

Will new mortgage disclosures set to take effect in August help or hinder consumer understanding of debt?

By Tim Mislansky | June 3, 2015

Zillow mortgage research shows that many small borrowers will pay 10% more for every dollar borrowed than a borrower with a $400,000 loan.

By Janet Lee | May 12, 2015

The Florida credit union reported a 97% increase in first mortgage originations in the first quarter of 2015.

By Tim Mislansky | May 7, 2015

TILA/RESPA integrated disclosure is so much more than a disclosure regulation. Many believe it will be a bigger deal than the Qualified Mortgage rule from January 2014.

Kevin Heal, vice president of Callahan Financial Services, discusses how to use the U.S. Treasury yield curve to price loans.

By Kevin Heal | April 7, 2015

Credit unions might not be subject to CRA guidelines, but they still need to be aware of the value of CRA-eligible loans.

By The Servion Group | April 6, 2015

Strong partnerships can push credit union lending business around the base paths.

Partner Perspective
Motivating Millennial Homebuyers

By CU Members Mortgage | April 6, 2015

Low down payments and social media can help mortgage lenders speak language Gen Y buyers understand.

Partner Perspective
TILA/RESPA Preparation Check-In

By CUNA Mutual Group | April 6, 2015

Now is the time to get ready for mortgage disclosure changes coming Aug. 1.

By Aaron Pugh | April 6, 2015

Credit unions are alleviating pain points throughout the home-buying process.

By | April 6, 2015

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

By Fannie Mae | April 6, 2015

Appraisal risk application supports proactive management of appraisal quality and improves customer relationship tools.

By Erik Payne | April 6, 2015

Investments in products, technology, and personnel contribute to tremendous mortgage loan performance at Ventura County Credit Union.

By Rebecca Wessler | April 6, 2015

What are credit unions doing to increase their visibility in the mortgage market?

By Sam Taft | April 6, 2015

Homeownership rates, origination volume, market share, and more in this Graphic Of The Week.

By Marc Rapport | April 3, 2015

How an Alabama credit union built a double bottom line one non-traditional mortgage at a time.

By Rebecca Wessler | March 9, 2015

This week, CreditUnions.com explores how today’s cooperative financial institution balances risk, perks, and member benefits.

By Ellie Mae | March 2, 2015

Credit Unions should consider these four tips to make sure they're ready for the change.

By Sam Taft | Feb. 26, 2015

These seven charts highlight how things have changed in the past year and offer insight into what it means for credit unions moving forward.

By Sharon Simpson | Feb. 24, 2015

Patelco Credit Union takes a holistic view when it comes to evaluating investment decisions.

By Tim Mislansky | Feb. 13, 2015

Qualified mortgage rules should reflect bigger credit unions as part of the solution, not part of the problem.

By Janet Lee | Feb. 12, 2015

First mortgage loans outstanding and originations accelerated during the fourth quarter at the Florida credit union.

By Kevin Heal | Feb. 6, 2015

Rising wages, employment may be greeted by rate hikes as Fed works to direct economic harmony.

By Callahan & Associates, Inc. | Jan. 30, 2015

Ent Federal Credit Union describes its Realtor education classes.

By Callahan & Associates, Inc. | Jan. 30, 2015

Jon Paukovitch from Ent Federal Credit Union describes the Realtor education classes that propel its successful mortgage origination program.

By Drew Grossman | Jan. 26, 2015

When indirect lending margins at Orange County’s Credit Union started to shrink, the $1.2 billion cooperative injected life into its auto portfolio with a new focus, a fresh marketing campaign, and different metrics.

By Rebecca Wessler | Dec. 22, 2014

Which loan strategies resonated with CreditUnions.com readers this year? Find out in this top 10 countdown.

By myCUmortgage | Dec. 22, 2014

With the ever-changing compliance environment, credit unions need to ask themselves if it’s time to outsource the back-office operations of mortgage lending to a CUSO?

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, Inc. | Nov. 20, 2014

Callahan COO Alix Patterson and industry analyst Andrew Bolton discuss national mortgage industry trends and measuring impact in a specific market with HMDA data.

By Janet Lee | Nov. 6, 2014

Wright-Patt Credit Union’s first mortgage portfolio expands 16% thanks to a significant growth in ARMs.

By Sam Taft | Nov. 5, 2014

The Alabama credit union increased ARM loans by 115% over last year.

By Rebecca Wessler | Nov. 4, 2014

Real estate agents play a critical role in the home-buying process, so how can credit unions turn agents into allies?

Help them understand the truth about payments. That's just one of many things you can do to get first-time homebuyers over the myths and into a home.

By Aaron Pugh | Nov. 3, 2014

How Space Coast uses online realtor reviews to guide members to the right people as well as the right products.

By Rebecca Wessler | Nov. 3, 2014

Four realtor associations from states with the highest credit union mortgage market share offer advice on how to build credit union-Realtor relationships.

By Erik Payne | Nov. 3, 2014

Ent uses its realtor education classes to boost its awareness in its local community.

By CU Realty Services, LLC | Oct. 28, 2014

For many, the tighter post-recession lending requirements make home ownership seem a distant dream. But in reality, home buying and mortgage lending are picking up pace. Consumers need help separating fact from fiction as they look to buy homes today.

By Marc Rapport | Oct. 23, 2014

Regulator moves give compliance pros a mixed view of what's happening and what's to come.

By | Oct. 7, 2014

Tina Cheung is a successful a real-estate agent and a former VP of Operations at a credit union. In this presentation, she shares what agents looking for and how credit unions can catch their attention.

By Fannie Mae | Oct. 6, 2014

Fannie Mae loans secured by a principle residence do not require any minimum contribution from the borrower’s own funds on one-unit properties. This allows many parents to help their children purchase their first home.

By Andrew Bolton | Oct. 1, 2014

These credit unions stood out among the rest for their ability to capture a high level of purchase mortgages in their local markets.

By Callahan & Associates | Oct. 1, 2014

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

By Aaron Pugh | Sept. 29, 2014

A fresh look at the properties, terms, and outreach credit unions are using to keep loans from falling through the cracks.

By Erik Payne | Sept. 23, 2014

Three days of takeaways from the ACUMA’s 2014 fall conference.

By Callahan & Associates | Sept. 5, 2014

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

By Fannie Mae | June 16, 2014

Although rural properties pose special challenges, they can meet Fannie Mae guidelines.

By Aaron Pugh | June 9, 2014

Four ways that cooperatives can attract first-time homebuyers and ramp up their purchase mortgage activity.

By Drew Grossman | June 9, 2014

Solidarity Community Federal’s program combines financial ed with financial aid for first-time homebuyers.

By Drew Grossman | June 9, 2014

One credit union targets public service employees with a generous first-time homebuyer program.

By Chris Howard | May 1, 2014

By traditional measures, credit union originators are less efficient than their for-profit competitors. They're not going to get rich quick, but that’s not what credit unions are about.

By Drew Grossman | April 11, 2014

Shirley Bowen talks about the changes she's seen in Hope's mortgage lending prgram.

By Drew Grossman | April 7, 2014

How credit union mortgage departments can rethink their strategies to survive in a market with decreased refinancing opportunities.

By Fannie Mae | April 7, 2014

An updated post-purchase review process and feedback loop gives lenders information to help them identify and address potential issues in their business processes.

Credit unions have a tremendous opportunity in today’s mortgage lending market.

By Janet Lee | April 7, 2014

Rising rates have stifled mortgage originations at the national level. But which states are bucking that trend?

By Catherine Siskos | April 7, 2014

Insight from real estate agents on how to foster closer ties with realtors.

By Andrew Bolton | April 7, 2014

Credit union mortgage market share increased over the past few years as refinancings rose during the low-rate environment.

By Andrew Bolton | March 27, 2014

Originations at financial cooperatives in the Buckeye State increased 6.7% in 2013, one of many trends that exceeded industry averages.

By Andrew Bolton | March 26, 2014

Lending, originations, revenue, and membership all show how the state’s financial cooperatives have positioned themselves for success this year.

By Michael Emancipator | Feb. 24, 2014

ATR gives borrowers more legal rights to challenge a creditor, but the true cost arising from those rights is yet to be determined.

By Fannie Mae | Jan. 27, 2014

Requirements outlined in Fannie Mae’s selling guide helps credit unions manage repurchase and compliance risk.

By Andrew Bolton | Jan. 27, 2014

GTE Financial’s five-day guarantee assures homebuyers their closing documents will be ready to sign when they are.

By Michael Emancipator | Jan. 20, 2014

Small and large institutions alike have a lot to look forward to in 2014.

By Erik Payne | Dec. 6, 2013

What can credit unions learn about their business model from the Amazon CEO's interview on 60 Minutes?

By Callahan & Associates | Nov. 22, 2013

Steve VanSickler from Silver State Schools Credit Union shares his strategies for boosting purchase mortgages.

By Andrew Bolton | Nov. 12, 2013

Credit union first mortgage originations beat 2012’s record pace through the first nine months of 2013.

Callahan & Associates discusses how credit unions can use Mortgage Analyzer to better understand their local mortgage markets.

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 Erik Payne | Oct. 28, 2013

With the extension of the federal government’s HARP deadline, credit unions like Desert Schools are continuing to find refinancing success.

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.

Callahan & Associates demonstrates how Mortgage Analyzer helps credit unions better understand their local mortgage markets.

By Andrew Bolton | Oct. 10, 2013

HMDA data shows credit unions are increasing their mortgage market share.

By SWBC | Oct. 7, 2013

Offering insurance at the close of each loan can complete your institution’s lending strategy and provide optimal member service.

By Andrew Bolton | Oct. 7, 2013

Cooperatives across the nation are enhancing traditional strengths while adapting to new market opportunities.

By Aaron Pugh | Oct. 1, 2013

Take an in-depth look at Heritage Federal Credit Union's competitive processes.

By myCUmortgage | Sept. 16, 2013

With the uncertainty in the mortgage industry, credit unions need to decide if they want to build a comprehensive mortgage strategy or walk away.

By Andrew Bolton | Aug. 20, 2013

By CUNA Mutual Group | Aug. 19, 2013

A look at the CFPB’s Semiannual Regulatory Agenda provides clues to what regulations lie ahead.

By Andrew Bolton | Aug. 14, 2013

By Sharon Simpson | July 15, 2013

Star One Credit Union hedges its interest rate risk by borrowing money at a fixed rate. What can other credit unions learn from this strategy?

By Mark Reed | July 15, 2013

How credit unions can better position their mortgage hedging strategy for a changing secondary market environment.

By Rebecca Wessler | June 17, 2013

State Employees’ Credit Union takes lending decisions out of the hands of automated systems and puts them into the hands of individual financial service officers.

By Aaron Pugh | June 4, 2013

This credit union knows how to make the best of hard times and capitalize on good ones.

By Parth Kapoor | May 23, 2013

By Aaron Pugh | May 21, 2013

Intuitive product development and positioning helped turn on the tap for new lending in a Florida community.

By Alix Patterson | May 10, 2013

By Parth Kapoor | May 9, 2013

By Andrew Bolton | May 8, 2013

By Impac Companies | May 6, 2013

Financing properties for renovation requires a thorough understanding on behalf of borrowers.

Partner Perspective
5 Reasons To Rediscover HARP

By Fannie Mae | May 6, 2013

With a two-year program extension and a wealth of new resources at their fingertips, credit unions can continue to successfully meet borrowers' needs through HARP.

Partner Perspective
Purchase Or Perish

Uncover real strategies to increase your credit union’s purchase mortgage business.

By myCUmortgage | May 6, 2013

Credit unions must focus on how to evolve this crucial business moving forward.

By Kevin Heal | May 6, 2013

SchoolsFirst CFO Francisco Nebot discusses the current state of mortgage lending and calls for a credit union owned solution for the secondary mortgage market.

By Yun Ma | May 6, 2013

CitizensFirst Credit Union lets members customize the length of their mortgage to increase mortgage volume and reduce interest rate risk.

By Drew Grossman | May 6, 2013

Star One Credit Union's real estate modification program lowers rates quickly and efficiently.

By Aaron Pugh | May 6, 2013

Lake Michigan Credit Union partners with other lenders and an HGTV star to take the top spot in regional market share.

By Andrew Bolton | May 6, 2013

Publically available data provides market intelligence to help credit unions compete.

By Alix Patterson | May 6, 2013

By Mark Reed | April 25, 2013

By Oak Tree Business Systems, Inc. | April 22, 2013

Credit unions can use change to engage with their members.

By Yun Ma | April 22, 2013

Credit unions may think they have boomers figured out, but this generation of retirees is a group of surprising contradictions.

By Aaron Pugh | April 10, 2013

Maps Credit Union is an innovation goldmine in an Oregon valley.

By Drew Grossman | April 8, 2013

Maroon Financial Credit Union lowered its efficiency ratio by generating more revenue from an expanded mortgage origination campaign.

By Andrew Bolton | April 5, 2013

By remaining vigilant of interest rate risk and implementing mitigation strategies, credit unions can continue to safely provide great mortgage options to members.

By Drew Grossman | April 4, 2013

A new initiative from the Obama administration may help drive better opportunities for first-time homebuyers and those without high credit scores.

By Parth Kapoor | March 28, 2013

By CU Realty Services, LLC | March 25, 2013

Separate fears from reality and embrace the power of these strategic partnerships.

By myCUmortgage | March 11, 2013

The scrutiny that the recent mortgage lending collapse created makes compliance in this area more important than ever.

By Mark Reed | March 1, 2013

Partner Perspective
Build On Your Quality Focus

By Fannie Mae | Feb. 25, 2013

Having good data during the loan manufacturing process is critical, but a historical focus on quality means credit unions are well-positioned to adapt.

By Kevin Heal | Feb. 4, 2013

Many MBS pools look alike on the surface but digging deeper can reveal major differences. Part 2 looks at how the Conditional Prepayment Rate can affect yield.

By Kevin Heal | Feb. 4, 2013

Many MBS pools look alike on the surface but digging deeper can reveal major differences.

By Brooke C. Stoddard | Jan. 28, 2013

The Arizona-based credit union expands its back office and looks past HARP and refinances to achieve even greater success in 2013.

By Mark Reed | Jan. 25, 2013

By Catherine Siskos | Jan. 21, 2013

Real estate services at this credit union funnel revenue back to the membership while acting as a launching pad for entering new markets.

By myCUmortgage | Jan. 7, 2013

As sources for revenue decrease, lenders must get the most out of each loan and be aware of how their pricing stacks up to the competition.

By Alix Patterson | Dec. 11, 2012

By Fannie Mae | Dec. 10, 2012

Changes announced this September will address concerns about repurchase exposure while increasing contract harmonization.

Partner Perspective
Reduce Credit Risk

By United Guaranty Insurance | Nov. 26, 2012

Why the mortgage insurance industry is shifting away from a delegated model.

By Aaron Pugh | Nov. 26, 2012

Advantis Credit Union uses a combination of the traditional and the innovative to post double-digit loan growth in the third quarter.

Partner Perspective
Combat Mortgage Fraud

By Fannie Mae | Nov. 19, 2012

Credit unions must build up educational and legal resources to stay ahead of this evolving threat.

By Andrew Bolton | Nov. 15, 2012

Growth in mortgages and consumer loans herald record 2012.

By Rebecca McClay | Oct. 23, 2012

While the lending environment in Hawaii is difficult, some credit unions are bucking the trend with several strategies.

By Melissa Forsyth | Oct. 22, 2012

By offering a straightforward process and fee structure, Members 1st added $8 million to its construction and development portfolio in 2Q 2012.

By Rebecca McClay | Oct. 16, 2012

Without investing capital yet, credit unions can understand the Consumer Financial Protection Bureau’s basic mortgage reform proposals.

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 McClay | Oct. 15, 2012

Credit unions are triggering local economic rebounds in housing, employment, and small businesses.

By United Guaranty Insurance | Oct. 8, 2012

Risk-based mortgage insurance solutions create member savings and grant access to new market opportunities.

By Rebecca McClay | Oct. 1, 2012

Scott Credit Union introduced short-term mortgage products in response to members’ requests for mortgages they could pay off before their retirement.

By Lydia Cole | Oct. 1, 2012

Credit unions achieved higher market share, funded more loans, and helped more consumers finance homes in most states, counties, and metropolitan statistical areas.

By Rebecca McClay | Sept. 26, 2012

The second day of ACUMA's 2012 conference includes a session on targeting the younger generation.

By Rebecca McClay | Sept. 25, 2012

Credit union CEOs discuss hot topics in mortgage lending on the first day of the Las Vegas convention.

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 | Sept. 5, 2012

Gen Y’s preference to rent instead of own provides credit unions an opportunity to restructure products and diversify their loan portfolios.

By Melissa Forsyth | Aug. 27, 2012

The credit union connects with Habitat For Humanity to move members into homes.

By Callahan & Associates | Aug. 6, 2012

Mortgage lenders can brush up on the details of the Secure and Fair Enforcement for Mortgage Licensing Act.

By Callahan's Executive Team | July 25, 2012

The industry has hit a new all-time high for mortgage market share. Now it’s time to raise our ambitions.

By Melissa Forsyth | July 16, 2012

Callahan & Associates analyst Lydia Cole projects a strong rest of the year for mortgage loan originations.

By Melissa Forsyth | June 28, 2012

Callahan & Associates’ analyst Lydia Cole reviews credit unions’ 1Q performance in mortgages.

By Melissa Forsyth | June 13, 2012

Ukrainian credit unions are fairly on par with financial trends of credit unions nationwide, says Callahan Analyst Lydia Cole.

By Rebecca Wessler | April 10, 2012

There's no place like Spokane, WA when it comes to markets that are favorable toward credit unions.

By Rebecca McClay | Feb. 6, 2012

Callahan & Associates’ senior analyst Lydia Cole describes the latest mortgage trends in the credit union industry.

By Callahan & Associates | Jan. 1, 2012

As credit unions set the course for the new year, they must decide whether to evolve the cooperative model or borrow strategic principles from their for-profit competitors.

By Aaron Pugh | Nov. 21, 2011

United Federal Credit Union offers multiple real estate products to seek out points of strength in the various communities it serves.

By Rebecca McClay | Oct. 1, 2011

Sooper Credit Union creates an intimate member rapport through personalized URLs.

By Callahan & Associates | Oct. 1, 2011

Credit unions posted strong financial performance in a volatile marketplace.

By Aaron Pugh | Sept. 20, 2011

GTE utilizes a niche product suite and realtor relationships to give homebuyers the best shot.

By Aaron Pugh | Sept. 5, 2011

Products and services drive organic growth and deeper relationships at United FCU.

By Lydia Cole | July 1, 2011

A 5-year perspective on how credit union lending has changed.

By Callahan & Associates | July 1, 2011

As a realtor who has successfully worked with credit unions, here are some specific traits I look for in lending partners.

By Aaron Pugh | July 1, 2011

Intuitive product development and positioning helped turn on the tap for new lending in a Florida community.

By Aaron Pugh | April 28, 2011

Engage first-time homebuyers with products and specials built especially for them.

By Rebecca Wessler | April 18, 2011

Guthrie offers first-time homebuyers face-to-face assurance and advice during the application process.

By Rebecca Wessler | April 1, 2011

Guthrie builds its brand on quality products and personal service.

By Aaron Pugh | April 1, 2011

Put microsites to work for your financial institution.

By Callahan & Associates | Jan. 1, 2011

3Q 2010: The Consolidated Credit Union Financial Statement, Credit Union 3Q 1st Mortgage Origination Market Share by State, Credit Union 3Q Junior Mortgage Origination Market Share by State, YTD Credit Union Auto Loan Origination Market Share by State, Peer Group Performance Comparison, Distribution of Assets & Institutions Across All Peer Groups, Asset Quality by Peer Group

By Aaron Pugh | Jan. 1, 2011

Aloha Pacific dives into the expansion waters and surfaces in the Lower 48.

By Alix Patterson | Oct. 1, 2010

The 5300 Call Report provides a valuable, if somewhat sporadic, snapshot of Mortgage CUSO data.

By Callahan & Associates | Oct. 1, 2010

With flexibility and action-based thinking, Member First Mortgage helps its members manage all of their mortgage needs.

By Chip Filson | July 1, 2010

A look at Bank of America and the credit union system during the Great Recession.

By Aaron Pugh | July 1, 2010

The market for lending is changing but don't let big shakeups overshadow the small, crucial steps that will make or break your credit union's ultimate success. Credit union consultant Chris Oldag shares best practices for all aspects of the modern market.

By Callahan & Associates | July 1, 2010

Credit unions across the country are doing their best to balance the needs of individual members in economic stress and the financial health of their loan portfolio. Often, this nivolves being willing to modify the terms of a loan to lower the monthly payment to a level affordable to the member. This spread assesses the credit union industry's real estate modification efforts in the 18 months that data has been available.

By Rebecca Wessler | June 14, 2010

State Employees Credit Union holds more than 4,000 modified first mortgages. Here, SECU’s SVP of mortgage lending provides insight on how the credit union manages its portfolio.

By Callahan & Associates | April 1, 2010

Credit unions should compare its ALL with its peers to create a ALL policy that guides decisions and benchmarks performance.

By Callahan & Associates | April 1, 2010

Converting opportunity into results is an industry challenge for 2010.

By Callahan & Associates | April 1, 2010

Economic growth in the U.S. turned positive during the second half of 2009. The question now is, how strong will the recocery be as we move through 2010? Based on a number of macroeconomic trends, we expect to see slower growth than the consensus.

By Rebecca Wessler | Jan. 7, 2010

SECU's effective lending strategy keeps members first and never gets too complicated.

By Callahan & Associates | Oct. 1, 2009

Credit unions find ways to meet member needs as many consumers face tight credit conditions.

By Callahan & Associates | Oct. 1, 2009

California and Texas, two of the largest credit union states, are forerunners of national trends. By analyzing these two states, we can develop a framework to help us better understand national trends moving forward.

By Callahan & Associates | July 1, 2009

Louisiana Federal Credit Union has made their online mortgage applications the cornerstone of the mortgage ledning strategy, yielding solid growth in a turbulent market.

By Callahan & Associates | July 1, 2009

Tower Federal Credit Union did not see the Refi Boom coming, but they were ready for it when it came.

By Callahan & Associates | July 1, 2009

As the economy continues to worsen, even credit unions in relatively better-faring parts of the country need to consider the potential financial management changes their members may be making.

By Callahan & Associates | April 1, 2009

Wright-Patt Federal Credit Union, BECU, and Tower Federal Credit Union talk about how they're responding to the lending market.

By Callahan & Associates | April 1, 2009

With a design that withstands serious economic stress, credit unions saw posted near-record loan growth while other institutions are scaling back.

By Callahan & Associates | April 1, 2009

Credit unions have kept its real estate loan portfolios healthy, by helping its members during hard times and making smart loans.

By Callahan & Associates | April 1, 2009

Growing mortgage market share requires a new approach to liquidity access.

By Callahan & Associates | Jan. 1, 2009

Beleagured members benefit when Ent Federal Credit Union's collection team morphs into proactive Member Solutions department.

By Callahan & Associates | Jan. 1, 2009

3Q Mortgage Data: Real Estate Purchase Index, Real Estate Refinance Index, Credit Union 1st Mortgage Originations, 1st Mortgage Originations CU Volume and Market Share, 1st Mortgage Delinquency: Credit Unions vs. Banks

By Callahan & Associates | Jan. 1, 2009

As other lenders retrench from the troubled market, credit unions continue to reach out to help their membersget through the mortgage crisis.

By Callahan & Associates | Jan. 1, 2009

Credit unions have a substantial role in mortgage relief and can benefit from the CU HARP program.

By Brooke C. Stoddard | Oct. 1, 2008

A federal savings bank began a fully transactional mortgage product it calls the Green Account and it's attracting notice.

By Callahan & Associates | July 1, 2008

Ent Credit Union ($2.4B, Colorado Springs, CO) has seen significant growth and opportunity in their FHA program.

By Callahan & Associates | July 1, 2008

With gas and food prices, layoffs and buyouts up, consumers are recognizing the value of the cooperative model with membership topping 88.9 million and lending and share balances quickly growing.

By Callahan & Associates | July 1, 2008

First mortgage originations for credit unions are up 52.9 percent over the past year, while the Mortgage Bankers Association reports that first mortgage originations nationally were down 6.7 percent. With this overall decrease in first mortgage originations comes a decrease in competition.

By Callahan & Associates | July 1, 2008

In un-charted times such as today, credit unions must work together to overcome current challenges and continue to be the most trusted provider of financial services in the nation.

By Callahan & Associates | July 1, 2008

Leaders in 12-Month 1st Mortgage Origination Growth, Leaders in 1st Mortgage Originations Year-To-Date, Leaders in Real Estate Loan Concentration

By Callahan & Associates | July 1, 2008

1Q 2008: 1st Mortgage Origination Growth, Real Estate Loan Concentration

By Callahan & Associates | July 1, 2008

The turmoil continues in the mortgage industry as lenders pull back from the market and tighten their underwriting, even on prime mortgages.

By Callahan & Associates | July 1, 2007

The first quarter was a good start in more ways than one.

By Callahan & Associates | April 1, 2007

Continuing change was the theme for credit unions in 2006.

By Callahan & Associates | April 1, 2007

Expanding service and developing programs to help members “create wealth” are the principal focus for SECU (NC) in 2007.