Excellence in Lending Award Winners 2006
|
|
- Frederick Sanders
- 5 years ago
- Views:
Transcription
1 Excellence in Lending Award Winners Consumer Lending Excellence Award - Assets less than $250M Latino Community CU ($42 million in assets; nearly 50,000 members) Developed the CreditBuilder loan program for first-time borrowers Car loans up to $10,000 with no credit history Signature loans for borrowers with no credit history AutoPlus loan program to reward borrowers with good payment history No annual fee credit card program Offers financial literacy workshops in Spanish every two weeks; over 7,000 participants 95% of members are low income and 75% are first-time account holders Latino Community CU was one of the first regulated lenders to aggressively serve low income, new immigrants. More than 75 percent of loan borrowers have no credit history. LCCU developed the CreditBuilder loan program for borrowers. Members were able to establish a credit history and move on to other loan products. To date, 2,502 members have received CreditBuilder loans with the average loan of $800. LCCU is aware that in North Carolina it is essential to have a vehicle to go to work, shop and worship. For this reason, LCCU provides car loans up to $10,000 with no credit history. To reach out to its non-english speaking members, LCCU offers financial literacy workshops in Spanish every two weeks.
2 2006 Consumer Lending Excellence Award - Assets $250M or greater San Antonio FCU ($2 billion in assets, 243,000 members) Developed Manufactured Home Loan program (CUFBL) following member requests. Pioneered and designed an indirect vehicle lending program (C.A.R.S.) for SACU and other credit unions, thus increasing profits for all partners. Pioneered as the first credit union to offer APPRO and DealerTrack for indirect vehicle lending Pioneered as the first credit union to offer e-contracting, a paperless application-to-delivery vehicle loan system Developed Small Ticket Sales Finance program that allows members to sign loan docs and make point-of-purchase sales on the spot Offers members a Web-based loan calculator providing different borrowing scenarios and online application. San Antonio FCU continues to develop innovative lending programs to meet members needs. Its manufactured home loan program grew out of an increasing number of members requesting manufactured home financing. SACU pioneered with its design for an indirect vehicle lending program for SACU and other credit unions to help spread the cost of acquisition over a greater number of loans, thus increasing profits for all partners. SACU was the country s first credit union to offer e-contracting, a paperless application-to-delivery vehicle loan system. Members have the ability to use a Web-based loan calculator, offering different borrowing scenarios and online application. The Web site averages 2,100 visits per month.
3 2006 Mortgage Lending Excellence Award Less than $250M in Assets Ohio University CU ($179 million in assets; 22,000 members) Added mortgage programs to help members with modest means Began offering Ohio Housing Finance Agency programs and CUNA s HLPR loan Lowered mortgage rates Hosted home-buying seminars Brought mortgage servicing in-house 7.3 percent increase in new loan volume in one year Ohio University CU added new mortgage programs to help its general membership and members with modest means. OUCU began offering Ohio Housing Finance Agency (OHFA) programs, grants and loans, and CUNA s HLPR loan. OUCU lowered rates, added mortgage content to its Web site, hosted home-buying seminars, deepened Realtor relationships and brought mortgage servicing inhouse. Since the changes, OUCU doubled its OHFA loan volume in less than one year, provided grants and HLPR loans, and had a 7.3 percent increase in new loan volume from 2004 to 2005.
4 2006 Mortgage Lending Excellence Award Assets $250M or greater Ent FCU ($1.9 billion assets; 159,000 members) Leveraged market presence to increase mortgage market share Commitment to serving low to moderate income borrowers Promoted first time home buyer program Partnered with CUNA s HLPR program and the Colorado Housing and Finance Authority Became #1 credit union mortgage lender in Colorado within one year Purchase money volume increased 218 percent, mortgage volume 81 percent, and construction loan funding more than doubled Ent FCU noted its mortgage products and services were competitive in the market, but most members did not know Ent offered mortgages. Ent identified a (Big Hairy Audacious Goal BHAG) to become the market s #1 mortgage provider by increasing community awareness, serve low to moderate income borrowers, and better relationships with Realtors and builders. Ent added products such as a first time home buyer program, and partnered with CUNA s HLPR program and the Colorado Housing and Finance Authority. Service and call center staff were educated; a mortgage sales office was opened; and radio sponsorships were purchased. In one year Ent FCU became the #1 credit union mortgage lender in Colorado. Purchase money volume increased 218 percent, overall mortgage volume climbed 81 percent, and construction loan funding more than doubled.
5 2006 Low-to-Modest Means Lending Excellence Award Bethex FCU ($11 million assets; 10,000 members) Formed in 1970 to help welfare mothers avoid using pawnshops and loan sharks for cash emergencies Main goal is to serve low/moderate income families whose income frequently comes from public assistance Made almost 800 loans last year amounting to more than $2.4 million Partners with NYC check cashing outlets to offer financial services to customers, creating 130 virtual branches Partners with a community organization to establish an emergency loan program to pay the rent of members facing eviction Provides low-cost loans to Gypsy cab drivers, freelance drivers who go where medallion cabbies will not Offers an emergency loan known as Cash in a Flash to combat predatory lenders Offers a low interest Goal Saver Loan to help members build assets and credit history Bethex FCU formed in 1970 to help welfare mothers avoid using pawnshops and loan sharks for cash emergencies. The small credit union continues to primarily serve people of low/moderate income. With just $11 million in assets, the credit union made almost 800 loans last year for more than $2.4 million.
Lending Strategies 2.0. Carolinas Credit Union League 2015 Leadership Conference October 22, 2015
Lending Strategies 2.0 Carolinas Credit Union League 2015 Leadership Conference October 22, 2015 WHAT DOES THE FUTURE HOLD? CUES - Scenarios for Credit Unions through 2020 Two Uncertainties/Four Scenarios
More informationFinancial Wellness and Economic Inclusion
Financial Wellness and Economic Inclusion NPHS Financial Wellness and Economic Inclusion programs work together to assist underserved consumers to access, obtain and build assets that create pathways for
More informationEconomic Inclusion Programs and Services
Economic Inclusion Programs and Services NPHS Economic Inclusion programs work together to assist underserved consumers to access, obtain and build assets that create pathways for achieving family self-sufficiency
More informationCase Study: Exploring FedChoice Federal Credit Union s Effective MBL Program
Veronese 2401 Friday, July 25, 2014 10:00 11:00 a.m.; 11:15 a.m. 12:15 p.m. Case Study: Exploring FedChoice Federal Credit Union s Effective MBL Program Bill Keilholtz, Director Lending Services, FedChoice
More informationServing and Investing in
Technical Elements (What qualifies?) Performance Context Community Development Services Community Development Investments 1 Community Development 1)Affordable housing g( (including multifamily rental housing)
More informationClient Disclosure Toolkit
Client Disclosure Toolkit Client Disclosure Requirements Background The U.S. Department of Housing and Urban Development (HUD) requires that agencies participating in HUD s Housing Counseling Program provide
More informationHOUSING & MORTGAGE COUNSELOR
HOUSING & MORTGAGE COUNSELOR COMPENSATION: (based on substantial production incentives) Mortgage Counselor: $60,000 to $100,000+ Housing Counselor: $40,000 to $55,000+ CONTACT: HR Department: jobs@naca.com
More informationHOUSING & MORTGAGE COUNSELOR
HOUSING & MORTGAGE COUNSELOR COMPENSATION: (based on substantial production incentives) Mortgage Counselor: $60,000 to $100,000+ Housing Counselor: $40,000 to $55,000+ CONTACT: HR Department: jobs@naca.com
More informationDANE COUNTY CREDIT UNION Project Differentiation 2015 Update
DANE COUNTY CREDIT UNION Project Differentiation 2015 Update Statement of Commitment to Members: As a member-owned, not-for-profit financial cooperative, Dane County Credit Union is committed to our members.
More informationLegends in Lending. Success Stories Shared.
Legends in Lending. Success Stories Shared. Panelists: Hilary Reed, Bucks First FCU Lisa Totaro, Sunmark FCU Alison Wolf, FAA CU Kristen Mashburn, Listerhill CU Brian Griffith, Gesa CU Hilary Reed VP/Marketing
More informationC r e d i t U n i o n T a x i M e d a l l i o n L e n d i n g I m p l i c a t i o n s o f t h e R e c e n t M e l r o s e C r e d i t U n i o n C o n
C r e d i t U n i o n T a x i M e d a l l i o n L e n d i n g I m p l i c a t i o n s o f t h e R e c e n t M e l r o s e C r e d i t U n i o n C o n s e r v a t o r s h i p A CUNA WHITE PAPER March 2017
More informationKelley Parks: Jane of All Trades Boring to Brilliant. 5 Living Generations! The Time is Now. Auto Loans: Good for Business? Next Generation Lending
M A R K E T I N G A N D L E N D I N G I S S U E Kelley Parks: Jane of All Trades Boring to Brilliant 6 Tips From Brand Wizards 5 Living Generations! Multi-Gen = Multi-Message The Time is Now Get in the
More informationusfinancialcapability.org Military Survey Data at a Glance
usfinancialcapability.org Military Survey Data at a Glance Making Ends Meet A significant part of financial capability is the ability to make ends meet through adequate savings. Just over half of military
More informationNational Case Statement
Discussion Topics Session Description Learn about the advantages your Credit Union Members can receive by obtaining low-income designation and CDFI Certification and how this translates to Member value.
More informationYear-End Mid Colorado. Colorado. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 Colorado Colorado First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationColorado. Colorado. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Colorado Colorado First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationREAL Solu*ons Lending Tool Kits
REAL Solu*ons Lending Tool Kits Mark Lynch CCUFC, CUDE, DUDE Senior Program Manager Na.onal Credit Union Founda.on Overview Why the Founda?on produced a series of Toolkits What Toolkits are available and
More informationCUSTOMER-OWNED BANKING INSTITUTION OF THE YEAR
METHODOLOGY CUSTOMER-OWNED BANKING INSTITUTION OF THE YEAR What is the CANSTAR Customer Owned Banking Institution of the Year Award? CANSTAR s Customer Owned Banking Institution of the Year Award uses
More informationBusiness Loan Application Checklist
Business Loan Application Checklist Thank you for your interest in applying for a Business/Commercial Loan with Bank of Luxemburg. You can count on us to do everything we can to help you with your financing
More informationEfforts to Improve Homeownership Opportunities for Hispanics
Efforts to Improve Homeownership Opportunities for Hispanics Case Studies of Three Market Areas U.S. Department of Housing and Urban Development Office of Policy Development and Research Efforts to Improve
More informationSouth Carolina. South Carolina. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 South Carolina South Carolina First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household.
More informationNorth Carolina. North Carolina. First Quarter Prepared by: CUNA Economics and Statistics
Third Mid Quarter Year 2017 2018 North Carolina North Carolina First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household.
More informationInvesting in Solutions. Member NASD/SIPC
I N V E S T I N G I N S O L U T I O N S Investing in Solutions Member NASD/SIPC 100 Motor Parkway, 2nd Floor, Hauppauge, NY 11788-5157 Tel: 631.979.0097 Toll Free: 800.645.5424 Toll Free Branches: 800.551.2971
More informationDiversify your Loan Portfolio with Business Lending. Don Arkell Senior Consultant
Diversify your Loan Portfolio with Business Lending Don Arkell Senior Consultant WHO IS THIS GUY? Lending Landscape INVESTORS BORROWERS RISK AVERSE RISK SEEKING PEER TO PEER LENDER LOW RISK HIGH RISK
More informationSAVINGS. The results are reflected in a consumer-friendly five-star concept, with five stars signifying outstanding value offered by the product.
SAVINGS AWARD METHODOLOGY What are the CANSTAR Deposit Account Star Ratings? CANSTAR s Deposit Star Ratings use a sophisticated rating methodology, unique to CANSTAR, which compares deposit products in
More informationOther U.S. Financial Institutions
In addition to the commercial banking institutions, the following are also part of the United States financial system (Rose, 2008): Representative Offices Representative offices of U.S. commercial banks
More informationCredit Union Access to Capital
Credit Union Access to Capital & How the Federation Can Help! 2012 AACUC Annual Conference Charleston, SC Terri J. Fowlkes Director, Community Development Investments National Federation of Community Development
More information1. Host series of Pre foreclosure workshops, housing fairs, homeownership education classes, and home repair seminars
Pre-Purchase/ Post-Purchase education and counseling is a vital part of the new home buyer education process because it supports successful long-term self-sufficiency. Rhodes Porter understands the first
More informationCooperative Federal Annual Report. Message from the Board of Directors
Cooperative Federal Message from the Board of Directors Without reservation, I am excited to say that Cooperative Federal is in a phase punctuated with creativity and opportunity, both for our organization
More informationI Index. Accountant, 140
I A Accountant, 140 advantages, 141 disadvantages, 141 ACH. See Automated Clearing House (ACH) Adjustable rate mortgage (ARM), 80 Annual fee payment, in credit card, 58 Appreciable assets, 6 ARM. See Adjustable
More informationMORTGAGE COUNSELOR. Ver Mortgage Counselor Page: 1
MORTGAGE COUNSELOR COMPENSATION: $60,000 to $100,000+ (based on substantial production incentives) LOCATION: NACA Offices Nationwide CONTACT: HR Department: jobs@naca.com BENEFITS: Excellent single/family
More informationExcellence in Lending Award Winners 2009
Excellence in Lending Award Winners 2009 The Credit Union Excellence in Lending Award provides an opportunity for credit unions to share best practices and ideas, build networks, and recognize and celebrate
More informationLearn how FIS Receivables solutions can help your customers automate payments
Learn how FIS Receivables solutions can help your customers automate payments Russell High, FIS Product Manager Tom Graceffa, FIS Product Sales Consultant May 25 th, 2017 Agenda Introductions Payments
More informationYear-End National U.S. National. Membership Benefits Report. First Quarter Prepared by: CUNA Economics and Statistics
Year-End 2017 National U.S. National Membership Benefits Report First Quarter 2017 Prepared by: CUNA Economics and Statistics The Benefits of Credit Union Membership Credit unions generally provide financial
More informationThird-Quarter National U.S. National. Membership Benefits Report. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter 2017 National U.S. National Membership Benefits Report First Quarter 2017 Prepared by: CUNA Economics and Statistics The Benefits of Credit Union Membership Credit unions generally provide
More informationWho is Lending and Who is Getting Loans?
Trends in 1-4 Family Lending in New York City An ANHD White Paper February 2016 As much as New York City is a city of renters, nearly a third of New Yorkers own their own homes. Responsible, affordable
More informationMicrocredit: The Good, the Bad, and the Ugly
Microcredit: The Good, the Bad, and the Ugly Unraveling the confusion behind microcredit: how some models help alleviate poverty, while others exploit the poor to make the rich richer. by David Korten
More information2012 Excellence in Lending Profiles
2012 Excellence in Lending Profiles The following credit union profiles are the six recipients of the Lending in Excellence awards given at CUNA s Lending Council Conference in Miami Beach on November
More informationCreating a Sustainable Foundation for Financial Inclusion
Creating a Sustainable Foundation for Financial Inclusion Scott Butterfield, Your Credit Union Partner Sarah Marshall, North Side Community Credit Union Jamey Gill, Mendo Lake Credit Union Purpose of this
More informationLatino Decisions 2016 Election Eve Poll
2. Thinking about the 2016 election, what are the most important issues facing the [Latino/Hispanic] community that our politicians should address? [ Open ended, Pre-code to list, RESPONDENT MAY SELECT
More informationFTC And State Attorneys General: How To Avoid Being Investigated And What To Do (And Not Do) If Your Company Is
FTC And State Attorneys General: How To Avoid Being Investigated And What To Do (And Not Do) If Your Company Is Online Lenders Alliance Fall Members Conference Las Vegas, NV October 16, 2008 Lisa Jose
More informationFinancial Institutions Topical Research Series
Financial Institutions Topical Research Series Discount & Online Brokerage Firms: Four Leading Discount Brokerage Firms Expanding their Business Models (Table of Contents) November 29, 2017 TABLE OF CONTENTS
More informationThe Future of Indirect Lending
NACUSO Annual Conference The Future of Indirect Lending Presented By Tony Boutelle President & CEO CUDL U.S. Auto Sales Summary New and Used Auto Sales Have Hit Ten Year Lows Automakers Continue to Rely
More informationBUILDING STRONGER COMMUNITIES TOGETHER: IMMIGRANTS AND ASSET BUILDING FLORIDA PHILANTHROPY NETWORK SUMMIT FEBRUARY 2017
BUILDING STRONGER COMMUNITIES TOGETHER: IMMIGRANTS AND ASSET BUILDING 1 FLORIDA PHILANTHROPY NETWORK SUMMIT FEBRUARY 2017 GCIR PROVIDES A FORUM FOR FUNDERS TO: Learn about current issues through in-depth
More informationSENATE, No STATE OF NEW JERSEY. 218th LEGISLATURE INTRODUCED NOVEMBER 26, 2018
SENATE, No. 0 STATE OF NEW JERSEY th LEGISLATURE INTRODUCED NOVEMBER, 0 Sponsored by: Senator NELLIE POU District (Bergen and Passaic) Senator NILSA CRUZ-PEREZ District (Camden and Gloucester) Co-Sponsored
More informationJim Eason. In Jim s Words:
Jim Eason Auburn, CA MEMBER SINCE 1988 JIM EASON is a talk radio pioneer who hosted the highlyrated Jim Eason Show on KGO Newstalk 810, the Bay Area's #1 station, for over 20 years. Originally from North
More informationHOMEBUYER S GUIDE WE RE ALL ABOUT THAT NEW HOME SMELL
FIRST-TIME HOMEBUYER S GUIDE WE RE ALL ABOUT THAT NEW HOME SMELL THE SCENT OF FRESH PAINT WITH A HINT OF EQUITY & A DASH OF ACCOMPLISHMENT Anthony Rael REALTOR RE/MAX ALLIANCE 303.520.3179 Tiffany L Swisher
More informationPresident, Neighborhood Trust FCU. Chief Business Development Officer, Neighborhood Trust Financial Partners. Filene Research Institute
Justine Zinkin Rafael Monge Marcia Caban Cynthia Campbell CEO, Neighborhood Trust Financial Partners President, Neighborhood Trust FCU Chief Business Development Officer, Neighborhood Trust Financial Partners
More informationNews Release. Contact: Greg Ketron Barry Koling (404) (404) For Immediate Release January 19, 2007
News Release Contact: Investors Media Greg Ketron Barry Koling (404) 827-6714 (404) 230-5268 For Immediate Release January 19, 2007 SunTrust Reports Record Earnings For 2006, Up 7% From 2005 ------ Company
More informationLending to ITIN and Immigrant Markets. Alejandra Seluja CU Breakthrough
Lending to ITIN and Immigrant Markets Alejandra Seluja CU Breakthrough Overview Why reach out to Latino and immigrant borrowers? What is an ITIN? What does an ITIN lending program look like? Auto and consumer
More informationWhat is a SHORT SALE?
Frequently Asked Questions What is a SHORT SALE? What is a Short Sale? In the world of Real Estate, a short sale refers to the sale of real property for an amount less than the amount owed on the property.
More information2018 Impact Report. Opportunity comes in many forms.
2018 Impact Report Creating New Opportunities every day Opportunity comes in many forms. Our mission is to enable the underserved, unbanked, and no credit population to build and fulÿll dreams by taking
More informationStrengthening Your Capacity to Serve the Underserved
Strengthening Your Capacity to Serve the Underserved Blake Myers Consultant, National Federation of Community Development Credit Unions Teri Robinson CEO, Pacific NW Ironworkers FCU Agenda 1. The Opportunity:
More informationFinancial Inclusion for Immigrant Consumers Roundtable
Financial Inclusion for Immigrant Consumers Roundtable Assessing your Readiness 1/16/15 Miriam De Dios, CEO Coopera Pablo DeFilippi, VP Membership & Business Development, Federation Coopera Our Mission:
More informationNot a benefit a necessity: What Paid Family Leave means for NYC s low-income families
Not a benefit a necessity: What Paid Family Leave means for NYC s low-income families Nancy Rankin, Vice President for Policy Research and Advocacy Apurva Mehrotra, Policy Analyst April 2, 2015 One out
More informationRE: Request for Information Regarding Bureau Financial Education Programs (Docket No. CFPB )
Monica Jackson Office of the Executive Secretary Bureau of Consumer Financial Protection 1700 G Street NW Washington, D.C. 20552 RE: Request for Information Regarding Bureau Financial Education Programs
More informationWhy is Non-Bank Lending Highest in Communities of Color?
Why is Non-Bank Lending Highest in Communities of Color? An ANHD White Paper October 2017 New York is a city of renters, but nearly a third of New Yorkers own their own homes. The stock of 2-4 family homes
More information2016 Community Reinvestment Report
2016 Community Reinvestment Report What lies behind you and what lies in front of you, pales in comparison to what lies inside of you. -Ralph Waldo Emerson Our philosophy is simple: People helping people.
More informationCredit Union Industry. Brittany Kleinpaste Director of Economic and Policy Research
Credit Union Industry Brittany Kleinpaste Director of Economic and Policy Research bkleinpaste@aba.com aba.com 1-800-BANKERS Credit Unions: A Trillion Dollar Industry $ Billions $1.3 Trillion $1,200 $1,000
More informationMETHODOLOGY BANK OF THE YEAR SMALL BUSINESS
METHODOLOGY BANK OF THE YEAR SMALL BUSINESS 1 WHAT ARE THE CANSTAR BUSINESS BANKING STAR RATINGS? 2 CANSTAR Business Banking Star Ratings use a sophisticated rating methodology, unique to CANSTAR, which
More informationDeciding which car and car loan you can afford
car loan you can afford In this simulation activity, students calculate monthly installment loan payments and total costs for three different cars to apply a common strategy for purchasing big-ticket items.
More informationStatement of Commitment to MEMBERS
Statement of Commitment to MEMBERS Statement of Commitment to Members - 2016 As a member-owned, not-for-profit financial cooperative, Interra Credit Union s commitment is to its members. Our members needs
More informationHomebuyer Education TEST
To obtain the required Homebuyer Education Certificate through the Ohio Housing Finance Agency (OHFA), you will need to complete this test and related budget form. Once your loan is reserved, you may upload
More information==================================================== NEW!!! 10% DOWN GUARANTEED APPROVAL PROGRAM 90% LTV
==================================================== NEW!!! 10% DOWN GUARANTEED APPROVAL PROGRAM 90% LTV No Credit Check No Income or Employment Verification No Tax Returns No Prepayment Penalty No Red
More informationReal Estate Expenses. Example 1. Example 2. To calculate the initial expenses of buying a home
Real Estate Expenses To calculate the initial expenses of buying a home One of the largest investments most people ever make is the purchase of a home. The major initial expense in that purchase is the
More informationBuilding Societies and Credit Unions
Building Societies and Credit Unions 2004 Flourishing in a cooler market 28 October 2004 Introduction Building societies and credit unions performed solidly in the year to June 2004. Building societies
More informationFinancial Empowerment Curriculum Moving Ahead Through Financial Management. Module Four: Building Financial Foundations Homes, Loans and Automobiles
Financial Empowerment Curriculum Moving Ahead Through Financial Management Module Four: Building Financial Foundations Homes, Loans and Automobiles 1 Financial Empowerment Curriculum Module Five: Creating
More informationCUNA Membership Benefits Report. Year-end Photodisc/Thinkstock
CUNA Membership Benefits Report Year-end 2014 Photodisc/Thinkstock Source: Informa Research Services, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. (2)A "loyal member" is assumed to
More informationCommunity Development Financial Institutions (CDFIs)
Community Development Financial Institutions (CDFIs) o Private financial institutions focused on serving low income communities o Combine financial & development services o Raise capital with interest
More informationQuarterly Banking Profile
INSURED INSTITUTION PERFORMANCE Quarterly Net Income Rises to $43 Billion Higher Revenues, Lower Expenses Boost Earnings Loan Growth Remains Steady Only One Bank Fails in the Quarter Improving Earnings
More informationFrequently Asked Questions
Short Sale 101 Frequently Asked Questions What is a Short Sale? In the world of Real Estate, a short sale refers to the sale of real property for an amount less than the amount owed on the property. In
More informationFINALLY HOME! HOMEBUYER EDUCATION
FINALLY HOME! HOMEBUYER EDUCATION PROGRAM INFORMATION Idaho Housing and Finance Association offers the Finally Home! program to help address questions that potential homeowners may have. You ll learn all
More informationMid-Year South Carolina. South Carolina. First Quarter Prepared by: CUNA Economics and Statistics
Mid-Year 2017 South Carolina South Carolina First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. Loan Product
More informationGlossary of Real Estate Terms Adjustable-Rate Mortgage (ARM) Amortization. Annual Percentage Rate (APR) Cash Flow
Glossary of Real Estate Terms Adjustable-Rate Mortgage (ARM) An Adjustable-Rate Mortgage (ARM) is a type of loan whose prevailing interest rate is tied to an economic index (like one-year Treasury Bills),
More informationAccenture Mortgage Cadence. The Digital Mortgage. CUNA Lending Council 2015
Accenture Mortgage Cadence The Digital Mortgage CUNA Lending Council 2015 BECU and Accenture Mortgage Cadence Overview About BECU 2015 volume on pace for >$1.2B First eclosing in 2008 Lend in 8 states
More information: supporting. homeownership. Consumers
14 jpmorgan chase corporate responsibility report 07 JPMorgan Chase is dedicated to being a great company, acting in our customers best interests as well as those of our employees and shareholders. This
More informationTHDA Homebuyer Education Initiative Customer Intake Form
Sample 3 Date Case# (Trainer completes) Trainer Organization County (Trainer completes) THDA Homebuyer Education Initiative Customer Intake Form Please provide information about yourself for customer tracking
More informationTranscript First Quarter 2015 Earnings Call. April 23, Investor Relations Thank you. Good morning everyone and welcome to our earnings call.
Investor Relations Thank you. Good morning everyone and welcome to our earnings call. Transcript First Quarter 2015 Earnings Call This conference call of F.N.B. Corporation and the reports it files with
More informationCompany Profile. The Leader In Small Business Funding
Company Profile The Leader In Small Business Funding Funding Type FORMS OF AVAILABLE FUNDING Business Credit Cards: Our most accessible funding type No business financials required ( No Doc program) Variables
More informationDown payment. savings solutions. Page 1. Est Member FDIC. Equal Housing Lender
Down payment savings solutions Page 1 Saving for a down payment: A New Year s Resolution you can keep Flagstar Bank is committed to helping you reach your financial goals. If one of them is a saving for
More informationThe CFSI Underbanked Consumer Study Underbanked Consumer Overview & Market Segments Fact Sheet
The CFSI Underbanked Consumer Study - Fact Sheet June 8, 28 The CFSI Underbanked Consumer Study Underbanked Consumer Overview & Market Segments Fact Sheet Released: June 8, 28 Introduction The purpose
More informationNew York. New York. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 New York New York First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationMaine. Maine. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 Maine Maine First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product
More informationNew York. New York. First Quarter Prepared by: CUNA Economics and Statistics
Third-Quarter Mid Year 2017 2017 New York New York First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 1.9 credit union members per household. Loan
More informationNew York. New York. First Quarter Prepared by: CUNA Economics and Statistics
Third Mid Quarter Year 2017 2018 New York New York First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan
More informationRelationship Among a Firm Issuing Securities, the Underwriters and the Public
Investment Companies Relationship Among a Firm Issuing Securities, the Underwriters and the Public Four Phase of IPO The objectives of the chapter are to provide an understanding of: o o o o o o The market
More informationDrexel University Mortgage Seminar
Drexel University Mortgage Seminar September 18, 2013 Today s Topics Condition of the Economy and its Impact on the Mortgage Market Conventional vs. FHA Comparison Tax Deductibility of Private Mortgage
More informationInvesting in our communities
Investing in our communities Charles Schwab Bank is committed to investing in the communities in which we work and live, and to helping people take ownership of their financial futures. Our commitment
More informationInventing Products to Serve the Underbanked. Today s Panel
Inventing Products to Serve the Underbanked Moderated by: Stacy Augustine, CU Strategic Planning Panelists: Cindy Gribben, NATCO FCU; DeAndre Zachery, Shreveport FCU; Alycia Juvik, CU Strategic Planning
More informationLesson 8 Borrowing Money
AOBF Financial Planning Lesson 8 Borrowing Money Student Resources Resource Description Student Resource 8.1 Reading: Why Borrow? Student Resource 8.2 Worksheet: Borrowing and Lending Terms Student Resource
More information2008 National Interagency Community Reinvestment Conference Strategies for Economic Development: Small Business Lending
2008 National Interagency Community Reinvestment Conference Strategies for Economic Development: Small Business Lending Presented by: Debbie Fournier, SVP and Manager, Business Link 2008 Bank of the West.
More informationConventional loans are the most popular type of mortgages. They re not backed by the government and are ideal for buyers with good credit.
M O R T G A G E Buying your home is exciting. Whether you re purchasing or refinancing a home, Broadway Bank can help you find the loan that s right for you. Let our mortgage experts guide you through
More informationOverview of Types of Mortgages Available
Overview of Types of Mortgages Available There are many different types of mortgages available to home buyers. They are all thoroughly explained here. But here, for the sake of simplicity, we have boiled
More informationYear-End Mid California. California. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 California California First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationBridging the Wealth Divide: Expanding Homeownership in Communities of Color and Rural America. Sara Morgan Fahe / #OFNCONF #CDFIsINVEST
Bridging the Wealth Divide: Expanding Homeownership in Communities of Color and Rural America Sara Morgan Fahe / 09-28-2017 Bridging the Wealth Divide: Expanding Homeownership in Communities of Color and
More informationFinancing for the Car Wash Industry. WHITE PAPER: An Overview of SBA 7(a) Financing
Financing for the Car Wash Industry WHITE PAPER: An Overview of SBA 7(a) Financing INTRODUCTION If you are looking to purchase, build, upgrade, or refinance a car wash you already own, you may be surprised
More informationCalifornia. California. First Quarter Prepared by: CUNA Economics and Statistics
First Mid Quarter Year 2017 2018 California California First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household.
More informationHomeownership. Cycling Demand
4 Homeownership Falling home prices, stringent credit standards, and stubbornly high inventories of vacant homes roiled homeownership markets throughout 7 and into 8. Homeowners whose mortgage interest
More informationTexas. Texas. First Quarter Prepared by: CUNA Economics and Statistics
Year-End Mid 2017 2018 Texas Texas First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product Comparative
More informationMid-Year California. California. First Quarter Prepared by: CUNA Economics and Statistics
Mid-Year 2017 2018 California California First Quarter 2017 Prepared by: CUNA Economics and Statistics Source: Datatrac, NCUA, and CUNA. (1)Assumes 2.1 credit union members per household. Loan Product
More information