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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...
Community banks grow alongside their ag customers
The community bankers serving agricultural communities know how to roll up their sleeves and help with harvest, move cattle and work alongside their customers. Their commitment to keeping rural...
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...
First Home Bank’s PPP pivot
First Home Bank doubled down on Paycheck Protection Program (PPP) lending, dedicating its entire SBA lending division and dozens of other employees to delivering much-needed funds to businesses....
Is CRE lending bouncing back?
Commercial real estate lenders had a stellar year in 2019, but the pandemic hurt that momentum. According to experts, however, some sectors of the CRE lending market are moving forward, and...
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...
How your bank can build its construction loan portfolio
The pandemic significantly changed the landscape for construction lending, but with the possibility of economic recovery on the way, there are opportunities to grow your community bank’s...
Mark Scanlan: Fighting for ag and rural tax relief
ICBA is pushing for the Enhancing Credit Opportunities in Rural America Act, legislation that would help rural borrowers and level the playing field against unfair competition.
Growing Your Loan Portfolio with Construction Lending
SPONSORED | Community Bankers have historically considered construction loans an essential part of their loan portfolio. The current market conditions lend themselves to an opportunity of portfolio...
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...
10 mobile lending UX best practices
The easier and more intuitive your mobile lending platform is to use, the more high-quality loan applications you’ll receive.
Who made ICBA’s 2020 Top Lenders list?
Our top lenders’ exceptional performance last year has set them up for success even in a time of turmoil. Read on to meet the year’s most successful loan producers in the agriculture, commercial...
Banks that found their niche lending markets
Technology has blurred community banks’ geographic borders for some lending niches—but for others, face-to-face remains the gold standard. These community banks know one size doesn’t always...
Preventing and detecting mortgage fraud
Many compliance functions are needed to detect mortgage fraud, from FACTA and FCRA to the SAFE Act. Here’s a look at the requirements.
Who made our list of top industry loan producers for 2019?
Meet ICBA’s top industry loan producers for 2019. Whether they specialize in agricultural, consumer or commercial lending, they’re keeping America’s economy moving.
Site visits still matter. Here’s why
Site visits are the key to protecting your community bank’s commercial and industrial portfolio. Here’s why.
The pros and cons of niche lending
In niche lending, your community bank’s fate comes down to expertise and passion for the work.
ICBA’s 2018 top lenders: Who made the cut?
Every year, ICBA calculates the top community bank loan producers in the agricultural, commercial and consumer categories. This year’s lending leaders point to many different success factors, but...
ICBA’s top loan producers for 2017: Find out who made the list
Every year, ICBA calculates the top community bank loan producers in the agricultural, commercial and consumer categories, broken down by asset size. Read about 2017's lending leaders.
Yes, You CAN Offer Government-Guaranteed Lending Without Burdening Staff
Government-guaranteed lending isn’t just smart—it’s essential for community banks looking to serve more local businesses, add non-interest income, and stay competitive.
How to Balance Collections With Compassion for Customers
Community banks face the delicate task of collecting past-due loans while maintaining a compassionate approach, There are ways to be successful at both, experts say.
How the MPF® Program Keeps Community Banks Competitive
Through the Mortgage Partnership Finance® (MPF®) Program, community banks gain access to the secondary mortgage market while benefiting from key competitive advantages.
Your Handshake is Your Promise. Less Complexity is Ours.
Rocket Pro is built for financial institutions that believe home loans shouldn’t feel like an obstacle course. Learn more about partnering with Rocket Pro at rocketpro.com.
Specialty Lending That Strengthens Communities
Doing what they do best, these three community banks offer financing in specialty areas for organizations that contribute to the well-being of their served markets.
How Bridge Loans Can Bolster Your Mortgage Offerings
In a complex real estate environment, these community banks are providing bridge loans and other offerings to supplement their mortgage services.
Strategic Loan Modifications That Work
When a customer gets into trouble with loan payments, a modification is sometimes the easiest way to help them get back on track.
Making Homeownership Achievable, Together
Prospective homebuyers today might feel like the odds are stacked against them as they face increasing costs, market challenges and other socioeconomic barriers.
Ozark Bank Offers Custom Solutions for Nonprofit Partners
From lease-purchase solutions to crisis support, Ozark Bank shows how tailored financial services help local nonprofits and municipalities thrive.
End Document Chaos and Close Loans Faster with FileInvite
Our secure platform eliminates the back-and-forth chaos of gathering documents from borrowers, guarantors, and third parties to reduce loan processing time while ensuring compliance and a better...
Rocket Pro Helped Elly Turn 'Maybe' Into 'Move-in'
Rocket Pro Helped Elly Turn 'Maybe' into 'Move-in' SPONSORED | Discover how Rocket Pro helped Elly expand her options, close more deals and turn “maybe” into “move-in” for families in her...
First Liberty Bank is Digging Deep Into Energy Lending
With tailored solutions and long-term partnerships, First Liberty Bank’s energy lending program is fostering growth for businesses, communities and the bank itself.
How Community Banks Are Navigating Lending Growth
Explore the 2026 lending landscape for community banks, including trends in CRE, SBA loans, consumer spending and credit quality monitoring.
Native American Bank Helps Bring Modern Utilities to an Alaskan Island
Learn how a partnership between Native American Bank and Metlakatla Indian Community is bringing cheaper, faster electricity and internet to an underserved island in Alaska.
Community Bank Ag Lending in Uncertain Times for Farmers
From volatile commodity prices to rising input costs, farmers face mixed conditions. Learn how community banks are supporting ag customers through uncertainty with relationship-based lending,...
These San Diego Community Banks are Powering Local Business
San Diego’s community banks are fueling growth across life sciences, small business, and underserved communities. Three ICBA member banks share how local decision-making and mission-driven banking...
Why Face-to-Face Lending Still Matters
Many people want face-to-face interaction when they’re on the cusp of a major financial decision.