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Mortgage & Home Finance

There are many paths to owning a home, and banks are prepared to help customers safely navigate whichever path they choose. Whether by advocating for commonsense lending regulations or educating consumers on their options, ABA helps banks and their customers navigate today's mortgage environment.

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Consumer Banking

Current residential lending regulations can restrict choice, eliminate financial options and force a standardization of products that make it difficult for community banks to meet their customers’ needs.

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Key Fact

Infographic on housing
Consumers Still Prefer to Apply for their Mortgage in Person
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25th Annual ABA Residential Real Estate Survey Report

For example, 74% reported that Ability-to-Repay (ATR) / Qualified Mortgage (QM) rules reduced credit availability, with 70% reporting a moderate decline.

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Industry Resources

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Policy Analysis & Advocacy Efforts

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Mortgage & Home Finance Regulatory Proposals

Current Issues

Related Acts & Regulations

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Our Experts

Debbis Whiteside

Deborah Whiteside

SVP, Endorsed Solutions

Innovation & Finance

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Shelly Loftin

SVP, Retail Banking, Lending & Payments

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Get periodic updates on legislative and regulatory developments affecting mortgage lending.
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Mortgage Markets & Lending Technology Committee

Monitors developments in both the primary and secondary mortgage markets and makes recommendations on legislative and regulatory issues.
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GSE Policy Committee

Analyzes policy positions on issues affecting the role of Fannie Mae and Freddie Mac, and makes recommendations to GRC and the Board of Directors.
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Federal Home Loan Bank Committee

Monitors the mission, governance, operation and risk management of the FHLB System, and analyzes the impact of proposed changes in legislation and regulation.
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Mortgage Network

An online forum for mortgage lenders. Discuss your top-of-mind issues, ask questions, and connect with your peers.
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Discuss flood compliance challenges with your peers.