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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.

Related Topics

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.

News

NewsByte
CFPB to Conduct Five-Year Review of TILA-RESPA Integrated Disclosure Rule
November 20, 2019
Podcast
Podcast: Celebrating Bankers’ Community Commitment
November 20, 2019
NewsByte
HUD Report: Mutual Mortgage Insurance Fund Exceeds Statutory Capital Ratio in 2019
November 14, 2019
Article
Leader of the Pod
October 29, 2019

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.

Read the Report

Related Training & Events

American Mortgage Conference
Conference | May 5-7, 2020
Fundamentals of Mortgage Lending
Facilitated Training | January 14, 2020 - March 21, 2020
Would Your Mortgage Portfolio Benefit From a Bulk Transaction?
Recorded Webinar | December 4, 2019
Competing in a Digital World: Leveraging a Turnkey Mortgage Solution to Increase Profitability and Enhance Vendor Management Compliance
Recorded Webinar | December 3, 2019

ABA Resources

Resource
Bespoke Approach Leads to Stronger Mortgage Portfolio
November 25, 2019
Resource
Millennials are Tilting the Banking Landscape, but Mortgages Could Level the Playing Field
November 21, 2019
Survey
HMDA Reporting Assessment Survey Results
September 6, 2019
Infographic
Endorsed Solutions Digital Mortgage Loan Business Process Infographic
September 5, 2019
Infographic
America's Housing Challenge
June 8, 2019
Resource
Infographic: Non-QM: At A Glance
May 16, 2019
Guide
S. 2155 and HMDA: Complying with New Partial Exemptions
October 2, 2018
Resource
Fusion Mortgagebot Overview
June 1, 2018
Report
25th Annual ABA Residential Real Estate Survey Report
May 16, 2018
Infographic
Consumers Prefer to Apply for Mortgages In-Person
May 31, 2017
Reference
CFPB Mortgage Origination Rules Deskbook
December 31, 2016
Report
2016 TILA-RESPA Integrated Disclosure (TRID) Survey
February 29, 2016
Guide
TILA-RESPA Integrated Disclosure Rule
September 16, 2015
Report
Member Survey on Vendor Readiness for TILA/RESPA Integrated Disclosure Rule
May 12, 2015
Report
Rolling Delinquency Survey
October 23, 2014
Guide
Telling Your Housing Story: A Bankers Communications Guide
June 9, 2014
Resource
Success Story: Mortgagebot Online Mortgage Solutions
September 30, 2013
Report
A Strategic Guide to the ATR/QM Rules
June 18, 2013
Report
Truth in Lending
July 14, 2008
Infographic
America's Housing Challenge
June 8, 2019
Resource
Infographic: Non-QM: At A Glance
May 16, 2019
Guide
S. 2155 and HMDA: Complying with New Partial Exemptions
October 2, 2018
Resource
Fusion Mortgagebot Overview
June 1, 2018
Report
25th Annual ABA Residential Real Estate Survey Report
May 16, 2018
Infographic
Consumers Prefer to Apply for Mortgages In-Person
May 31, 2017
Reference
CFPB Mortgage Origination Rules Deskbook
December 31, 2016
Report
2016 TILA-RESPA Integrated Disclosure (TRID) Survey
February 29, 2016
Guide
TILA-RESPA Integrated Disclosure Rule
September 16, 2015
Report
Member Survey on Vendor Readiness for TILA/RESPA Integrated Disclosure Rule
May 12, 2015
Report
Rolling Delinquency Survey
October 23, 2014
Guide
Telling Your Housing Story: A Bankers Communications Guide
June 9, 2014
Resource
Success Story: Mortgagebot Online Mortgage Solutions
September 30, 2013
Report
A Strategic Guide to the ATR/QM Rules
June 18, 2013
Report
Truth in Lending
July 14, 2008

How Do Consumers View the Mortgage Application Process?

When it comes to the largest financial decision most consumers will ever make, 60% prefer to apply for a mortgage in person.

View the infographic

Industry Resources

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Policy Analysis & Advocacy Efforts

Resource
Bespoke Approach Leads to Stronger Mortgage Portfolio
November 25, 2019
Resource
Millennials are Tilting the Banking Landscape, but Mortgages Could Level the Playing Field
November 21, 2019
Comment Letter
Joint ABA, CBA, HPC Comments on HUD’s Proposed Rule on Fair Housing Act Disparate Impact
October 18, 2019
Comment Letter
Joint Trades Letter to CFPB on HMDA - Residential
October 15, 2019
Comment Letter
Joint Letter to CFPB on HMDA ANPR
October 15, 2019
Comment Letter
ABA Letter to CFPB Updating an Earlier Comment on the Proposal to Raise Coverage Thresholds
October 15, 2019
Staff Analysis
Disparate Impact Proposed Rule
September 30, 2019
Comment Letter
Joint Comments to HUD on the Proposed Amendments to the FHA Lender Annual Certification Statements
September 12, 2019
Testimony
Statement for the Record to the Banking, Housing and Urban Affairs Committee regarding "The Important Topic of Government Sponsored Enterprise (GSE) Reform and Bank Access to the Secondary Market"
September 10, 2019
Comment Letter
Response to ANPR on the Qualified Mortgage Definition
September 9, 2019
Comment Letter
ABA Letter to FHFA on the Designation of Replacement for FHFAs ARM Index
September 9, 2019
Staff Analysis
ANPR on the Upcoming Expiration of the GSE Patch
July 31, 2019
Comment Letter
ABA MBA Support FHA Action to Make Single Family Loan Sale Program Permanent
July 5, 2019
Comment Letter
Joint Letter to FHA re: Proposed Defect Taxonomy
June 28, 2019
Resource
Infographic: Non-QM: At A Glance
May 16, 2019
Staff Analysis
CFPB Proposal to Raise HMDA Reporting Thresholds
May 13, 2019
Staff Analysis
CFPB Advance Notice of Proposed Rulemaking on HMDA Data Points and Coverage
May 13, 2019
Letter to Congress & Regulators
ABA and MBA Joint Letter to DOL re: Mortgage Loan Officers
February 11, 2019
Comment Letter
Letter to Agencies re: Real Estate Appraisal Threshold
February 4, 2019
Staff Analysis
Policy Guidance on the Public Disclosure of the HMDA Data
January 1, 2019
Testimony
GSE Reform and Community Bank Access to the Secondary Market
December 19, 2018
Staff Analysis
Excluding Banks with Mortgage Servicing Assets that Exceed 25% of Tangible Equity from Section 201 Relief
December 4, 2018
Comment Letter
Comments to FHFA re: GSE Capital
November 30, 2018
Comment Letter
Comments to FHFA re: Enterprise Capital Requirements
November 16, 2018
Comment Letter
Letter to OCC on Community Reinvestment Act Modernization
November 15, 2018
Staff Analysis
Facilitating Fintech in Mortgage Lending
October 2, 2018
Letter to Congress & Regulators
Letter to CFPB re: Loan Originator Compensation Rule
September 26, 2018
Comment Letter
Letter to the CFPB re: TRID Rule
July 11, 2018
Comment Letter
Letter to the CFPB re: TRID Rule
July 2, 2018
Comment Letter
Comments to FHFA re: Affordable Housing Program Amendments
June 8, 2018
Resource
Fusion Mortgagebot Overview
June 1, 2018
Letter to Congress & Regulators
Letter to FHFA re: Credit Score Request for Input
April 18, 2018
Comment Letter
Letter to FFIEC re: TriStar Bank's Request
April 9, 2018
Comment Letter
Joint Comments re: Bureau's Rules Reassessment
March 15, 2018
Backgrounder
Issue Summary: Mortgage Interest Deduction
February 20, 2018
Comment Letter
Comments re: Fourth Exposure Draft of Proposed Changes to the Real Property Appraiser Qualification Criteria
January 11, 2018
Comment Letter
Letter to FCC on the Telephone Consumer Protection Act
December 8, 2017
Comment Letter
Joint Comments to Bureau's Proposed Changes to Publicly Reported HMDA Data
November 24, 2017
Comment Letter
Letter to Bureau on Timing for Servicers Sending Periodic Statements to Borrowers in Bankruptcy
November 17, 2017
Staff Analysis
List of Relevant Mortgage Lending Developments
November 16, 2017
Comment Letter
Letter to Bureau on Mortgage Servicing under RESPA
November 15, 2017
Testimony
B. Hughes re: "Sustainable Housing Finance: Private Sector Perspectives on Housing Finance Reform"
October 25, 2017
Comment Letter
Comments to CFPB re: Amendments to Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z)
October 10, 2017
Comment Letter
Letter to Agencies on Real Estate Appraisal Threshold
September 29, 2017
Letter to Congress & Regulators
Joint Letter to Agencies re: GSE Reform
September 21, 2017
Letter to Congress & Regulators
Letter to HFSC re: Support H.R. 2954
September 14, 2017
Testimony
C. Tuggle re: "Legislative Proposals for a More Efficient Federal Financial Regulatory Regime"
September 7, 2017
Letter to Congress & Regulators
Joint Trades Letter to Senate Leadership re: Pam Patenaude'
September 5, 2017
Comment Letter
Joint Trades Letter to FHFA
August 29, 2017
Letter to Congress & Regulators
Joint Letter to CFPB re: The Home Mortgage Disclosure (Regulation C)
July 31, 2017
Comment Letter
Joint Letter to CFPB on HMDA ANPR
October 15, 2019
Comment Letter
ABA Letter to CFPB Updating an Earlier Comment on the Proposal to Raise Coverage Thresholds
October 15, 2019
Staff Analysis
Disparate Impact Proposed Rule
September 30, 2019
Comment Letter
Joint Comments to HUD on the Proposed Amendments to the FHA Lender Annual Certification Statements
September 12, 2019
Testimony
Statement for the Record to the Banking, Housing and Urban Affairs Committee regarding "The Important Topic of Government Sponsored Enterprise (GSE) Reform and Bank Access to the Secondary Market"
September 10, 2019
Comment Letter
Response to ANPR on the Qualified Mortgage Definition
September 9, 2019
Comment Letter
ABA Letter to FHFA on the Designation of Replacement for FHFAs ARM Index
September 9, 2019
Staff Analysis
ANPR on the Upcoming Expiration of the GSE Patch
July 31, 2019
Comment Letter
ABA MBA Support FHA Action to Make Single Family Loan Sale Program Permanent
July 5, 2019
Comment Letter
Joint Letter to FHA re: Proposed Defect Taxonomy
June 28, 2019
Resource
Infographic: Non-QM: At A Glance
May 16, 2019
Staff Analysis
CFPB Proposal to Raise HMDA Reporting Thresholds
May 13, 2019
Staff Analysis
CFPB Advance Notice of Proposed Rulemaking on HMDA Data Points and Coverage
May 13, 2019
Letter to Congress & Regulators
ABA and MBA Joint Letter to DOL re: Mortgage Loan Officers
February 11, 2019
Comment Letter
Letter to Agencies re: Real Estate Appraisal Threshold
February 4, 2019
Staff Analysis
Policy Guidance on the Public Disclosure of the HMDA Data
January 1, 2019
Testimony
GSE Reform and Community Bank Access to the Secondary Market
December 19, 2018
Staff Analysis
Excluding Banks with Mortgage Servicing Assets that Exceed 25% of Tangible Equity from Section 201 Relief
December 4, 2018
Comment Letter
Comments to FHFA re: GSE Capital
November 30, 2018
Comment Letter
Comments to FHFA re: Enterprise Capital Requirements
November 16, 2018
Comment Letter
Letter to OCC on Community Reinvestment Act Modernization
November 15, 2018
Staff Analysis
Facilitating Fintech in Mortgage Lending
October 2, 2018
Letter to Congress & Regulators
Letter to CFPB re: Loan Originator Compensation Rule
September 26, 2018
Comment Letter
Letter to the CFPB re: TRID Rule
July 11, 2018
Comment Letter
Letter to the CFPB re: TRID Rule
July 2, 2018
Comment Letter
Comments to FHFA re: Affordable Housing Program Amendments
June 8, 2018
Resource
Fusion Mortgagebot Overview
June 1, 2018
Letter to Congress & Regulators
Letter to FHFA re: Credit Score Request for Input
April 18, 2018
Comment Letter
Letter to FFIEC re: TriStar Bank's Request
April 9, 2018
Comment Letter
Joint Comments re: Bureau's Rules Reassessment
March 15, 2018
Backgrounder
Issue Summary: Mortgage Interest Deduction
February 20, 2018
Comment Letter
Comments re: Fourth Exposure Draft of Proposed Changes to the Real Property Appraiser Qualification Criteria
January 11, 2018
Comment Letter
Letter to FCC on the Telephone Consumer Protection Act
December 8, 2017
Comment Letter
Joint Comments to Bureau's Proposed Changes to Publicly Reported HMDA Data
November 24, 2017
Comment Letter
Letter to Bureau on Timing for Servicers Sending Periodic Statements to Borrowers in Bankruptcy
November 17, 2017
Staff Analysis
List of Relevant Mortgage Lending Developments
November 16, 2017
Comment Letter
Letter to Bureau on Mortgage Servicing under RESPA
November 15, 2017
Testimony
B. Hughes re: "Sustainable Housing Finance: Private Sector Perspectives on Housing Finance Reform"
October 25, 2017
Comment Letter
Comments to CFPB re: Amendments to Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z)
October 10, 2017
Comment Letter
Letter to Agencies on Real Estate Appraisal Threshold
September 29, 2017
Letter to Congress & Regulators
Joint Letter to Agencies re: GSE Reform
September 21, 2017
Letter to Congress & Regulators
Letter to HFSC re: Support H.R. 2954
September 14, 2017
Testimony
C. Tuggle re: "Legislative Proposals for a More Efficient Federal Financial Regulatory Regime"
September 7, 2017
Letter to Congress & Regulators
Joint Trades Letter to Senate Leadership re: Pam Patenaude'
September 5, 2017
Comment Letter
Joint Trades Letter to FHFA
August 29, 2017
Letter to Congress & Regulators
Joint Letter to CFPB re: The Home Mortgage Disclosure (Regulation C)
July 31, 2017

Mortgage & Home Finance Regulatory Proposals

Current Issues

Related Acts & Regulations

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Our Experts

Rod Alba

SVP, Real Estate Finance, Mortgage

Sharon L. Whitaker

VP, Commercial Real Estate & Finance, Mortgage

Deborah Whiteside

SVP, Endorsed Solutions

Innovation & Finance

Contact Deborah

Shelly Loftin

SVP, Retail Banking, Lending & Payments

Stay Connected

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Mortgages Email Bulletin

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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Flood Compliance Working Group

Discuss flood compliance challenges with your peers.