Lending articles

At Your Service

At Your Service

Covering the CFPB’s new mortgage servicing standards The Consumer Financial Protection Bureau released final rules establishing new national mortgage servicing standards. Taking effect in January 2014, the rules amend the Truth in Lending Act (Regulation Z) and the Real Estate Settlement Procedures Act (Regulation X). Here, Ron Haynie, ICBA’s senior vice president, mortgage finance policy, […]

Generating More Yield, Safely

FHLBank advances can provide a low-risk funding option for more profitable fixed-rate mortgage lending By David Fisher Finding quality investments is certainly challenging for community banks. As the Federal Reserve works to stimulate the economy through its quantitative easing initiative, investment spreads have compressed to historic lows. In the current low-interest-rate environment, institutional portfolio managers […]

Simplifying Rural Credit

A streamlined USDA loan program could help community banks meet the credit needs of underserved rural businesses By Mark M. Brodziski The U.S. Department of Agriculture has a number of economic development programs designed to strengthen rural economies and create jobs. One of the USDA’s most effective programs is the Intermediary Relending Program, or IRP. […]

How Live Oak Bank became the nation’s second-largest SBA lender

For Live Oak Bank, the nation’s second-largest SBA lender, lending success doesn’t come without a deep and abiding love of data. President Scott Custer shares some of its secrets. By Susan Thomas Springer When Live Oak Bank opened in 2008, it loaned money only to veterinary practices. Since then, the bank has made small-business loans […]

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