IMBs Make Most Mortgages. CHLA Says It’s Time They Got FHLBank Access.
Independent mortgage banks originate roughly 84% of U.S. mortgages but remain shut out of direct membership in the Federal Home Loan Bank System.The Community Home Lenders of America (CHLA) says that
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National Mortgage Professional reports that independent mortgage banks now originate roughly 84% of U.S. mortgages, yet they remain excluded from direct membership in the Federal Home Loan Bank System. The Community Home Lenders of America argues this exclusion is becoming increasingly difficult to justify, given the dominant market share these institutions hold. The tension between where mortgages actually come from and which institutions receive federal liquidity support continues to sharpen.
For borrowers navigating this landscape, the structural friction at the wholesale level eventually translates to tighter options and more complex qualification paths at the retail level. loantrust.ai operates directly in this space, offering financing strategies designed for situations where conventional documentation does not capture full borrowing capacity. Real estate investors and self-employed borrowers can access DSCR loans qualified on property cash flow, bank statement programs, and bridge financing for fix-and-flip or new construction projects, with one licensed MLO personally packaging each file rather than routing through a call center.
The CHLA's argument points to a broader recognition that mortgage production has decentralized, and the support infrastructure needs to catch up. Borrowers who already fall outside traditional employment verification paths feel this mismatch most acutely. A brokerage that originates both consumer and investor mortgages through conventional, FHA, VA, and specialized investor channels, staffed by personally accountable originators rather than rotating call-center personnel, offers a stable point of contact when the broader system is in flux.
Source: National Mortgage Professional, “IMBs Make Most Mortgages. CHLA Says It’s Time They Got FHLBank Access.”. Read the original →
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