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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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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.

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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Key Fact

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Consumers Still Prefer to Apply for their Mortgage in Person
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