Bridging the Mortgage Gap: How Credit Unions Can Compete Like IMBs Without the Overhead

Credit unions are trusted financial partners to their strong member network, with over 1,500 reporting to HMDA in 2024 – nearly double the number of independent mortgage banks (IMBs) reporting the same. Yet, when it comes to mortgages, many members look to IMBs first, with 2024 HMDA data attributing 63.8% of home purchase volume to IMBs, in comparison to merely 5.3% to credit unions. IMBs have built reputations on fast, convenient mortgages for borrowers, while credit unions often face constraints that prevent them from offering the same to their members.

By using strategic investments into smart technology, credit unions can deliver IMB-level mortgage experiences without the extra overhead. Through carefully leveraged automation and self-serve technologies, credit unions can serve their loyal members with finesse and expertise.

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