best of the best

ICBA’s best-performing community banks 2020

Our annual list of the year’s top-performing community banks boasts institutions that focus on efficiency and the personal service that builds strong, lasting relationships. Their success last year has set them up to ride out this year’s storm. Less Than $300 Million By William Atkinson State Bank of Wheaton stays lean and green Drew Donnelly, […]

A house of cards

Preventing and detecting mortgage fraud

Many compliance functions are needed to detect mortgage fraud, from FACTA and FCRA to the SAFE Act. Here’s a look at the requirements. By Mary Thorson-Wright Mortgage fraud criminals scheme to separate people from their money (fraud for profit) or to obtain housing (fraud for property). The FBI, which routinely investigates incidents of fraud, defines […]

What does 2020 have in store for lending?

Varying interest rates and a mixed outlook for the economy kept community bankers on their toes over the past year, but what can they expect lending to look like this year? By Beth Mattson-Teig Community bankers are trying to read the tea leaves on expectations for lending activity in the coming year in the wake […]

How to keep mortgage lending personal

Taking out a mortgage is often the biggest financial decision someone will ever make. That makes it the perfect opportunity for community banks to demonstrate the value of the relationship banking model.

New to digital lending? Try HELOCs

Projected growth and innovations in the HELOC market make it a proving ground for community banks looking to test the waters of digital lending solutions.

How banks are streamlining the mortgage experience

More and more homebuyers, many of them internet-savvy young professionals, are depending on digital services to purchase a home. While some community banks have relied on third-party vendors to create such software to attract these new customers, others are innovating on their own.

Mortgage lending in a seller’s market

If community banks continue to use common sense and their proven methods of mortgage lending techniques, they should be able to ride out the twists and turns of the real estate market.