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How University Bank is redressing redlining
Widespread housing discrimination made homeownership unattainable for Black Americans for generations. To address this, University Bank and a nonprofit launched a new mortgage program, creating a...
Overcoming banking hurdles for Native American customers
Native American customers on tribal lands have historically been redlined and ignored by the mainstream financial system. Native-owned community banks have been there to serve these communities by...
What’s a special-purpose credit program?
In an effort to help financial institutions expand access to credit, the CFPB recently addressed regulatory uncertainty around special-purpose credit programs, or SPCPs. These programs are intended...
What young borrowers want in the loan journey
Younger borrowers have different expectations when it comes to how they bank and do business. The needs of these digital-first customers are leading some community banks to prioritize digital loan...
Who made ICBA's 2021 list of Top Lenders?
Our top lenders of 2021 made the most of one of the toughest years in recent memory through personal connection, ingenuity and dedication to their communities.
Will 2021 be another banner year for mortgage lending?
Even with the disruption of the pandemic, 2020 was a huge year for mortgage lending, with many community banks seeing record numbers of home loans, refinancings and more. The question is whether...
Community Bank CEO Outlook 2021: What's the path ahead?
No Magic 8 Ball could have predicted the year community banks had in 2020. What will 2021 bring? Independent Banker’s annual Community Bank CEO Outlook survey asked bank executives how they plan to...
2021’s lending outlook: cautious optimism
Many community bankers are cautiously optimistic that this year will bring the same, if not more, demand for loans. They also describe a year that may bring opportunities to gain market share from...