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The Credit Union Mortgage Universe Is Wide

by Susan Williams | Feb 8, 2016 | blog, Credit Unions

The credit union mortgage universe is a wide one, with originators spanning the gamut from some of the biggest originators in the country down to thousands too small to be counted. The biggest CU mortgage lender in 2014, Navy Federal, made $8.3 billion in loans,...

A Way to Navigate Community Reinvestment

by Susan Williams | Feb 1, 2016 | blog, Community Reinvestment

I’ve been intrigued by the Home Mortgage Disclosure Act ever since the Atlanta Journal-Constitution won a Pulitzer Prize by using its data to demonstrate a pervasive lack of lending in some of Atlanta’s inner city zipcodes. I’ve always had a big interest in community...

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    html,body{ margin: 0px; } #crmWebToEntityForm.zcwf_lblRight { width:100%; padding: 25px; margin: 0 auto; box-sizing: border-box; } #crmWebToEntityForm.zcwf_lblRight * { box-sizing: border-box; } #crmWebToEntityForm{text-align: left;} #crmWebToEntityForm * { direction: ltr; } .zcwf_lblRight .zcwf_title { word-wrap: break-word; padding: 0px 6px 10px; font-weight: bold; } .zcwf_lblRight .zcwf_col_fld input[type=text], .zcwf_lblRight .zcwf_col_fld textarea { width: 60%; border: 1px solid #c0c6cc !important; resize: vertical; border-radius: 2px; float: left; } .zcwf_lblRight .zcwf_col_lab { width: 30%; word-break: break-word; padding: 0px 6px 0px; margin-right: 10px; margin-top: 5px; float: left; min-height: 1px; text-align: right; } .zcwf_lblRight .zcwf_col_fld { float: left; width: 68%; padding: 0px 6px 0px; position: relative; margin-top: 5px; } .zcwf_lblRight .zcwf_privacy{padding: 6px;} .zcwf_lblRight .wfrm_fld_dpNn{display: none;} .dIB{display: inline-block;} .zcwf_lblRight .zcwf_col_fld_slt { width: 60%; border: 1px solid #ccc; background: #fff; border-radius: 4px; font-size: 16px; float: left; resize: vertical; padding: 2px 5px; } .zcwf_lblRight .zcwf_row:after, .zcwf_lblRight .zcwf_col_fld:after { content: ''; display: table; clear: both; } .zcwf_lblRight .zcwf_col_help { float: left; margin-left: 7px; font-size: 16px; max-width: 35%; word-break: break-word; } .zcwf_lblRight .zcwf_help_icon { cursor: pointer; width: 16px; height: 16px; display: inline-block; background: #fff; border: 1px solid #c0c6cc; color: #c1c1c1; text-align: center; font-size: 11px; line-height: 16px; font-weight: bold; border-radius: 50%; } .zcwf_lblRight .zcwf_row {margin: 15px 0px;} .zcwf_lblRight .formsubmit { margin-right: 5px; cursor: pointer; color: var(--baseColor); font-size: 16px; } .zcwf_lblRight .zcwf_privacy_txt { width: 90%; color: rgb(0, 0, 0); font-size: 16px; font-family: Arial; display: inline-block; vertical-align: top; color: var(--baseColor); padding-top: 2px; margin-left: 6px; } .zcwf_lblRight .zcwf_button { font-size: 16px; color: var(--baseColor); border: 1px solid #c0c6cc; padding: 3px 9px; border-radius: 4px; cursor: pointer; max-width: 120px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; } .zcwf_lblRight .zcwf_tooltip_over{ position: relative; } .zcwf_lblRight .zcwf_tooltip_ctn{ position: absolute; background: #dedede; padding: 3px 6px; top: 3px; border-radius: 4px;word-break: break-word; min-width: 100px; max-width: 150px; color: var(--baseColor); z-index: 100; } .zcwf_lblRight .zcwf_ckbox{ float: left; } .zcwf_lblRight .zcwf_file{ width: 55%; box-sizing: border-box; float: left; } .clearB:after{ content:''; display: block; clear: both; } @media all and (max-width: 800px) { .zcwf_lblRight .zcwf_col_lab, .zcwf_lblRight .zcwf_col_fld { width: auto; float: none !important; } .zcwf_lblRight .zcwf_col_help {width: 40%;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: left;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: right;} }
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    /* Do not remove this code. */ function reloadImg3883025000007740007() { var captcha = document.getElementById('imgid3883025000007740007'); if(captcha.src.indexOf('&d') !== -1 ) { captcha.src = captcha.src.substring(0, captcha.src.indexOf('&d'))+'&d'+new Date().getTime(); }else{ captcha.src = captcha.src+'&d'+new Date().getTime(); } } function validateEmail3883025000007740007() { var form = document.forms['WebToLeads3883025000007740007']; var emailFld = form.querySelectorAll('[ftype=email]'); var i; for (i = 0; i < emailFld.length; i++) { var emailVal = emailFld[i].value; if((emailVal.replace(/^\s+|\s+$/g, '')).length!=0 ) { var atpos=emailVal.indexOf('@'); var dotpos=emailVal.lastIndexOf('.'); if (atpos<1 || dotpos=emailVal.length) { alert('Please enter a valid email address. '); emailFld[i].focus(); return false; } } } return true; } function checkMandatory3883025000007740007() { var mndFileds = new Array('Company','First Name','Last Name','Email','Phone'); var fldLangVal = new Array('Company','First\x20Name','Last\x20Name','Email','Phone'); for(i=0;i<mndFileds.length;i++) { var fieldObj=document.forms['WebToLeads3883025000007740007'][mndFileds[i]]; if(fieldObj) { if (((fieldObj.value).replace(/^\s+|\s+$/g, '')).length==0) { if(fieldObj.type =='file') { alert('Please select a file to upload.'); fieldObj.focus(); return false; } alert(fldLangVal[i] +' cannot be empty.'); fieldObj.focus(); return false; } else if(fieldObj.nodeName=='SELECT') { if(fieldObj.options[fieldObj.selectedIndex].value=='-None-') { alert(fldLangVal[i] +' cannot be none.'); fieldObj.focus(); return false; } } else if(fieldObj.type =='checkbox'){ if(fieldObj.checked == false){ alert('Please accept '+fldLangVal[i]); fieldObj.focus(); return false; } } try { if(fieldObj.name == 'Last Name') { name = fieldObj.value; } } catch (e) {} } } trackVisitor3883025000007740007(); if(!validateEmail3883025000007740007()){return false;} document.querySelector('.crmWebToEntityForm .formsubmit').setAttribute('disabled', true); } function tooltipShow3883025000007740007(el){ var tooltip = el.nextElementSibling; var tooltipDisplay = tooltip.style.display; if(tooltipDisplay == 'none'){ var allTooltip = document.getElementsByClassName('zcwf_tooltip_over'); for(i=0; i<allTooltip.length; i++){ allTooltip[i].style.display='none'; } tooltip.style.display = 'block'; }else{ tooltip.style.display='none'; } } var $zoho= $zoho || {};$zoho.salesiq = $zoho.salesiq || {widgetcode:'bd812ff9f10013ac6c2e466111bbef8d9b784a397f834181032d1271a5311a8cfd06c71ed649cf90a8aa7eac3c82f084', values:{},ready:function(){}};var d=document;s=d.createElement('script');s.type='text/javascript';s.id='zsiqscript';s.defer=true;s.src='https://salesiq.zoho.com/widget';t=d.getElementsByTagName('script')[0];t.parentNode.insertBefore(s,t);function trackVisitor3883025000007740007(){try{if($zoho){var LDTuvidObj = document.forms['WebToLeads3883025000007740007']['LDTuvid'];if(LDTuvidObj){LDTuvidObj.value = $zoho.salesiq.visitor.uniqueid();}var firstnameObj = document.forms['WebToLeads3883025000007740007']['First Name'];if(firstnameObj){name = firstnameObj.value +' '+name;}$zoho.salesiq.visitor.name(name);var emailObj = document.forms['WebToLeads3883025000007740007']['Email'];if(emailObj){email = emailObj.value;$zoho.salesiq.visitor.email(email);}}} catch(e){}}
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    html,body{ margin: 0px; } #crmWebToEntityForm.zcwf_lblRight { width:100%; padding: 25px; margin: 0 auto; box-sizing: border-box; } #crmWebToEntityForm.zcwf_lblRight * { box-sizing: border-box; } #crmWebToEntityForm{text-align: left;} #crmWebToEntityForm * { direction: ltr; } .zcwf_lblRight .zcwf_title { word-wrap: break-word; padding: 0px 6px 10px; font-weight: bold; } .zcwf_lblRight .zcwf_col_fld input[type=text], .zcwf_lblRight .zcwf_col_fld textarea { width: 60%; border: 1px solid #ccc !important; resize: vertical; border-radius: 2px; float: left; } .zcwf_lblRight .zcwf_col_lab { width: 30%; word-break: break-word; padding: 0px 6px 0px; margin-right: 10px; margin-top: 5px; float: left; min-height: 1px; text-align: right; } .zcwf_lblRight .zcwf_col_fld { float: left; width: 68%; padding: 0px 6px 0px; position: relative; margin-top: 5px; } .zcwf_lblRight .zcwf_privacy{padding: 6px;} .zcwf_lblRight .wfrm_fld_dpNn{display: none;} .dIB{display: inline-block;} .zcwf_lblRight .zcwf_col_fld_slt { width: 60%; border: 1px solid #ccc; background: #fff; border-radius: 4px; font-size: 16px; float: left; resize: vertical; } .zcwf_lblRight .zcwf_row:after, .zcwf_lblRight .zcwf_col_fld:after { content: ''; display: table; clear: both; } .zcwf_lblRight .zcwf_col_help { float: left; margin-left: 7px; font-size: 16px; max-width: 35%; word-break: break-word; } .zcwf_lblRight .zcwf_help_icon { cursor: pointer; width: 16px; height: 16px; display: inline-block; background: #fff; border: 1px solid #ccc; color: #ccc; text-align: center; font-size: 11px; line-height: 16px; font-weight: bold; border-radius: 50%; } .zcwf_lblRight .zcwf_row {margin: 15px 0px;} .zcwf_lblRight .formsubmit { margin-right: 5px; cursor: pointer; color: #333; font-size: 16px; } .zcwf_lblRight .zcwf_privacy_txt { color: rgb(0, 0, 0); font-size: 16px; font-family: Arial; display: inline-block; vertical-align: top; color: #333; padding-top: 2px; margin-left: 6px; } .zcwf_lblRight .zcwf_button { font-size: 16px; color: #333; border: 1px solid #ccc; padding: 3px 9px; border-radius: 4px; cursor: pointer; max-width: 120px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; } .zcwf_lblRight .zcwf_tooltip_over{ position: relative; } .zcwf_lblRight .zcwf_tooltip_ctn{ position: absolute; background: #dedede; padding: 3px 6px; top: 3px; border-radius: 4px;word-break: break-all; min-width: 50px; max-width: 150px; color: #333; } .zcwf_lblRight .zcwf_ckbox{ float: left; } .zcwf_lblRight .zcwf_file{ width: 55%; box-sizing: border-box; float: left; } .clearB:after{ content:''; display: block; clear: both; } @media all and (max-width: 600px) { .zcwf_lblRight .zcwf_col_lab, .zcwf_lblRight .zcwf_col_fld { width: auto; float: none !important; } .zcwf_lblRight .zcwf_col_help {width: 40%;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: left;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: right;} }
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    /* Do not remove this code. */ function reloadImg3883025000007740007() { var captcha = document.getElementById('imgid3883025000007740007'); if(captcha.src.indexOf('&d') !== -1 ) { captcha.src = captcha.src.substring(0, captcha.src.indexOf('&d'))+'&d'+new Date().getTime(); }else{ captcha.src = captcha.src+'&d'+new Date().getTime(); } } function validateEmail3883025000007740007() { var form = document.forms['WebToLeads3883025000007740007']; var emailFld = form.querySelectorAll('[ftype=email]'); var i; for (i = 0; i < emailFld.length; i++) { var emailVal = emailFld[i].value; if((emailVal.replace(/^\s+|\s+$/g, '')).length!=0 ) { var atpos=emailVal.indexOf('@'); var dotpos=emailVal.lastIndexOf('.'); if (atpos<1 || dotpos=emailVal.length) { alert('Please enter a valid email address. '); emailFld[i].focus(); return false; } } } return true; } function checkMandatory3883025000007740007() { var mndFileds = new Array('Company','First Name','Last Name','Email','Phone'); var fldLangVal = new Array('Company','First\x20Name','Last\x20Name','Email','Phone'); for(i=0;i<mndFileds.length;i++) { var fieldObj=document.forms['WebToLeads3883025000007740007'][mndFileds[i]]; if(fieldObj) { if (((fieldObj.value).replace(/^\s+|\s+$/g, '')).length==0) { if(fieldObj.type =='file') { alert('Please select a file to upload.'); fieldObj.focus(); return false; } alert(fldLangVal[i] +' cannot be empty.'); fieldObj.focus(); return false; } else if(fieldObj.nodeName=='SELECT') { if(fieldObj.options[fieldObj.selectedIndex].value=='-None-') { alert(fldLangVal[i] +' cannot be none.'); fieldObj.focus(); return false; } } else if(fieldObj.type =='checkbox'){ if(fieldObj.checked == false){ alert('Please accept '+fldLangVal[i]); fieldObj.focus(); return false; } } try { if(fieldObj.name == 'Last Name') { name = fieldObj.value; } } catch (e) {} } } if(!validateEmail3883025000007740007()){return false;} document.querySelector('.crmWebToEntityForm .formsubmit').setAttribute('disabled', true); } function tooltipShow3883025000007740007(el){ var tooltip = el.nextElementSibling; var tooltipDisplay = tooltip.style.display; if(tooltipDisplay == 'none'){ var allTooltip = document.getElementsByClassName('zcwf_tooltip_over'); for(i=0; i<allTooltip.length; i++){ allTooltip[i].style.display='none'; } tooltip.style.display = 'block'; }else{ tooltip.style.display='none'; } }
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    html,body{ margin: 0px; } #crmWebToEntityForm.zcwf_lblRight { width:100%; padding: 25px; margin: 0 auto; box-sizing: border-box; } #crmWebToEntityForm.zcwf_lblRight * { box-sizing: border-box; } #crmWebToEntityForm{text-align: left;} #crmWebToEntityForm * { direction: ltr; } .zcwf_lblRight .zcwf_title { word-wrap: break-word; padding: 0px 6px 10px; font-weight: bold; } .zcwf_lblRight .zcwf_col_fld input[type=text], .zcwf_lblRight .zcwf_col_fld textarea { width: 60%; border: 1px solid #c0c6cc !important; resize: vertical; border-radius: 2px; float: left; } .zcwf_lblRight .zcwf_col_lab { width: 30%; word-break: break-word; padding: 0px 6px 0px; margin-right: 10px; margin-top: 5px; float: left; min-height: 1px; text-align: right; } .zcwf_lblRight .zcwf_col_fld { float: left; width: 68%; padding: 0px 6px 0px; position: relative; margin-top: 5px; } .zcwf_lblRight .zcwf_privacy{padding: 6px;} .zcwf_lblRight .wfrm_fld_dpNn{display: none;} .dIB{display: inline-block;} .zcwf_lblRight .zcwf_col_fld_slt { width: 60%; border: 1px solid #ccc; background: #fff; border-radius: 4px; font-size: 16px; float: left; resize: vertical; padding: 2px 5px; } .zcwf_lblRight .zcwf_row:after, .zcwf_lblRight .zcwf_col_fld:after { content: ''; display: table; clear: both; } .zcwf_lblRight .zcwf_col_help { float: left; margin-left: 7px; font-size: 16px; max-width: 35%; word-break: break-word; } .zcwf_lblRight .zcwf_help_icon { cursor: pointer; width: 16px; height: 16px; display: inline-block; background: #fff; border: 1px solid #c0c6cc; color: #c1c1c1; text-align: center; font-size: 11px; line-height: 16px; font-weight: bold; border-radius: 50%; } .zcwf_lblRight .zcwf_row {margin: 15px 0px;} .zcwf_lblRight .formsubmit { margin-right: 5px; cursor: pointer; color: var(--baseColor); font-size: 16px; } .zcwf_lblRight .zcwf_privacy_txt { width: 90%; color: rgb(0, 0, 0); font-size: 16px; font-family: Arial; display: inline-block; vertical-align: top; color: var(--baseColor); padding-top: 2px; margin-left: 6px; } .zcwf_lblRight .zcwf_button { font-size: 16px; color: var(--baseColor); border: 1px solid #c0c6cc; padding: 3px 9px; border-radius: 4px; cursor: pointer; max-width: 120px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; } .zcwf_lblRight .zcwf_tooltip_over{ position: relative; } .zcwf_lblRight .zcwf_tooltip_ctn{ position: absolute; background: #dedede; padding: 3px 6px; top: 3px; border-radius: 4px;word-break: break-word; min-width: 100px; max-width: 150px; color: var(--baseColor); z-index: 100; } .zcwf_lblRight .zcwf_ckbox{ float: left; } .zcwf_lblRight .zcwf_file{ width: 55%; box-sizing: border-box; float: left; } .clearB:after{ content:''; display: block; clear: both; } @media all and (max-width: 800px) { .zcwf_lblRight .zcwf_col_lab, .zcwf_lblRight .zcwf_col_fld { width: auto; float: none !important; } .zcwf_lblRight .zcwf_col_help {width: 40%;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: left;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: right;} }
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    /* Do not remove this code. */ function reloadImg3883025000007740007() { var captcha = document.getElementById('imgid3883025000007740007'); if(captcha.src.indexOf('&d') !== -1 ) { captcha.src = captcha.src.substring(0, captcha.src.indexOf('&d'))+'&d'+new Date().getTime(); }else{ captcha.src = captcha.src+'&d'+new Date().getTime(); } } function validateEmail3883025000007740007() { var form = document.forms['WebToLeads3883025000007740007']; var emailFld = form.querySelectorAll('[ftype=email]'); var i; for (i = 0; i < emailFld.length; i++) { var emailVal = emailFld[i].value; if((emailVal.replace(/^\s+|\s+$/g, '')).length!=0 ) { var atpos=emailVal.indexOf('@'); var dotpos=emailVal.lastIndexOf('.'); if (atpos<1 || dotpos=emailVal.length) { alert('Please enter a valid email address. '); emailFld[i].focus(); return false; } } } return true; } function checkMandatory3883025000007740007() { var mndFileds = new Array('Company','First Name','Last Name','Email','Phone'); var fldLangVal = new Array('Company','First\x20Name','Last\x20Name','Email','Phone'); for(i=0;i<mndFileds.length;i++) { var fieldObj=document.forms['WebToLeads3883025000007740007'][mndFileds[i]]; if(fieldObj) { if (((fieldObj.value).replace(/^\s+|\s+$/g, '')).length==0) { if(fieldObj.type =='file') { alert('Please select a file to upload.'); fieldObj.focus(); return false; } alert(fldLangVal[i] +' cannot be empty.'); fieldObj.focus(); return false; } else if(fieldObj.nodeName=='SELECT') { if(fieldObj.options[fieldObj.selectedIndex].value=='-None-') { alert(fldLangVal[i] +' cannot be none.'); fieldObj.focus(); return false; } } else if(fieldObj.type =='checkbox'){ if(fieldObj.checked == false){ alert('Please accept '+fldLangVal[i]); fieldObj.focus(); return false; } } try { if(fieldObj.name == 'Last Name') { name = fieldObj.value; } } catch (e) {} } } trackVisitor3883025000007740007(); if(!validateEmail3883025000007740007()){return false;} document.querySelector('.crmWebToEntityForm .formsubmit').setAttribute('disabled', true); } function tooltipShow3883025000007740007(el){ var tooltip = el.nextElementSibling; var tooltipDisplay = tooltip.style.display; if(tooltipDisplay == 'none'){ var allTooltip = document.getElementsByClassName('zcwf_tooltip_over'); for(i=0; i<allTooltip.length; i++){ allTooltip[i].style.display='none'; } tooltip.style.display = 'block'; }else{ tooltip.style.display='none'; } } var $zoho= $zoho || {};$zoho.salesiq = $zoho.salesiq || {widgetcode:'bd812ff9f10013ac6c2e466111bbef8d9b784a397f834181032d1271a5311a8cfd06c71ed649cf90a8aa7eac3c82f084', values:{},ready:function(){}};var d=document;s=d.createElement('script');s.type='text/javascript';s.id='zsiqscript';s.defer=true;s.src='https://salesiq.zoho.com/widget';t=d.getElementsByTagName('script')[0];t.parentNode.insertBefore(s,t);function trackVisitor3883025000007740007(){try{if($zoho){var LDTuvidObj = document.forms['WebToLeads3883025000007740007']['LDTuvid'];if(LDTuvidObj){LDTuvidObj.value = $zoho.salesiq.visitor.uniqueid();}var firstnameObj = document.forms['WebToLeads3883025000007740007']['First Name'];if(firstnameObj){name = firstnameObj.value +' '+name;}$zoho.salesiq.visitor.name(name);var emailObj = document.forms['WebToLeads3883025000007740007']['Email'];if(emailObj){email = emailObj.value;$zoho.salesiq.visitor.email(email);}}} catch(e){}}
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