The nation's banks are a major source of mortgage loans to help Americans achieve their dreams of homeownership.  Banks hold more than $2 trillion in one-to-four family home loans.  They also support the housing industry with construction and development loans, and homeowners with home equity lines of credit.  Despite the troubled times in the housing markets, banks are continuing to make home loans to qualified borrowers and to refinance existing mortgages.  They are also working with homeowners at risk of default to keep families in their homes.

 Mortgage Reform Initiatives
 ABA Mortgage Lending Solutions and Resources
 National Homeownership Month Page

Press Releases

• ABA Offers Free Fair Lending Compliance Resource (May 17, 2012)
• ABA Subsidiary Community Bank Mortgage LLC Announces Renewal with SunTrust Mortgage (May 10, 2012)
• ABA and ABIA Urge Reauthorization of National Flood Insurance Program (May 9, 2
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• ABA Mortgage Program Banker-Owners Receive $2.15 Million Payout in 2011 (May 4, 2012)
• ABA Subsidiary's Mortgage Programs Save Members $26.7 Million (May 2, 2012)
• ABA: Safe Harbor Essential for CFPB's Qualified Mortgage Rule (Apr. 27, 2012)
• ABA: Broad Qualified Mortgage Rule With Safe Harbor Essential To Housing Recovery (Apr. 16, 2012)
• ABA Statement on FHFA's Principal Reduction Analysis (Apr. 10, 2012)
• ABA Releases Real Estate Lending Survey (Mar. 27, 2012)
• ABA Statement on the Administration's FHA Refinance Program (Mar. 6, 2012)
• ABA Statement on FHFA's Fannie Mae and Freddie Mac Strategic Plan (Feb. 23, 2012)
• ABA Statement on Mortgage Settlement (Feb. 9, 2012)
• ABA Statement on the Administration's Housing Announcement (Feb. 1, 2012)
• ABA Housing Partners Foundation and Texas Bankers Association Complete San Antonio Habitat Home (Nov. 17, 2011)
• ABA Housing Partners Foundation Completes 11th Habitat for Humanity Home Build (Oct. 24, 2011)
• ABA Subsidiary Names Aklero Exclusive Mortgage Quality Control Provider (July 28, 2011)
• ABA Offers Alternative to Strengthen "Qualified Mortagage" Safe Harbor (July 25, 2011)
• ABA Joins Diverse Coalition in Urging Affordable Down Payments, Reasonable Credit Requirements (June 22, 2011)
• ABA Subsidiary and Mortgagebot Agree to Extend Alliance Agreement (June 20, 2011)
• ABA Subsidiary and Freddie Mac Extend Alliance to Help Members Succeed, Fuel the Housing Recovery (May 31, 2011)
• ABA Subsidiary Community Bank Mortgage LLC Announces Renewal With SunTrust Mortgage (May 16, 2011)
• ABA Subsidiary's Mortgage Programs Save Members $27 Million (March 10, 2011)
• ABA Principles Included in GSE Reform Proposals (Feb. 11, 2011)
• ABA Makes Recommendations Regarding The Future Of Government Sponsored Enterprises (Feb. 9, 2011)
• ABA Applauds Fed Decision To Delay Three Pending Reg Z Proposals (Feb. 2, 2011)
• ABA Sends Letter To Regulators Raising Concerns Over Risk Retention Provisions For Qualified Residential Mortgages (Jan. 12, 2011)
• ABA Files Amicus Brief Opposing Overtime Regulations For Mortgage Loan Officers (Deec. 14, 2010)
• ABA Subsidiary Offers Community Banks Wholesale Lending Opportunity With U.S. Bank Home Mortgage (Dec. 14, 2010)
• ABA White Paper: The Role Of A Trustee In Asset-Backed Securities
• ABA And Interthinx Enter Agreement for Residential Mortgage Risk Mitigation Tools (Oct. 8, 2010)
• ABA Announces Free Residential Mortgage Training With Genworth Mortgage Insurance (Sept. 14, 2010)
• ABA And FNC Partner To Provide Residential Appraisal Solutions (Sept. 9, 2010)
• ABA Announces Multiyear Agreement With Teletech To Offer Mortgage Fulfillment Services (Sept. 1, 2010)
• ABA Renews Relationships With Bank Of America (Aug. 12, 2010)
• ABA Letter to Treasury and HUD on Public Input on Reform of the Housing Finance System, (July 21, 2010)
• ABA, Wells Fargo Expand Offering To ABA Members (July 13, 2010)

ABA Correspondence and Testimony

• 2012 ABA Real Estate Lending Survey (March 27, 2012)
• Mortgage Servicing AG Settlement Fact Sheet (February 16, 2012)
• ABA Outlines 2012's Top 10 Mortgage-Reform Issues (January 12, 2012)
• ABA Expresses Concerns About Expansive HUD Interpretive Rule (July 26, 2010)
• ABA Letter to Treasury and HUD on Public Input on Reform of the Housing Finance System (July 21, 2010)
• ABA Letter on final rules amending the Home Ownership and Equity Protection Act (March 12, 2010)
• ABA Responds to Hud Proposed Rule of Safe Act (March 5, 2010)
• ABA Comments on HUD's FHA Reform Proposal (December 30, 2009)
• ABA on Proposed Changes to Closed-End Mortgage Disclosures (December 23, 2009)
• ABA Concerns About Proposed Changes for HELOC Disclosures (December 18, 2009)
• ABA Letter: Encouraging the FHFA to Complete the Process of Converting all 12 FHLBs to the New Capital Structure (December 8, 2009)

Empirical

• The New HMDA Pricing Data: What Can They Tell Us About Pricing Fairness?
     by Professor Michael Staten, Georgetown University (PDF)
• Unintended Consequences: The Risks of Premature State Regulation of Predatory Lending
     by Robert E. Litan, The Brookings Institution (PDF)
• A Prudent Approach to Preventing Predatory Lending
     by Robert E. Litan, The Brookings Institution (PDF)

Legislative Information

• Housing Policy for the 21st Century (September 2004)
• Best Practices In Immigrant Lending by Lauren Moser, ShoreBank Advisory Services (PDF)
• Open Letter to Congress to Protect Consumers and Provide Affordable Mortgages (April 12, 2004) (PDF)

Consumer Tips and Articles

• Progress on Predatory Lending (PDF) 
  by James C. Ballentine, ABA Center for Community Development
• Avoiding Predatory Lending Scams

Additional Resources

• White House "Making Home Affordable" program (March 4, 2009)
• HMDA Backgrounder (March 2005) PDF
  --Housing Price Trends
  --Key Dates and Terms
  --Sample LAR Sheets
  --Selected Graphs