Independent Mortgage Bankers Fact Sheet
Today's IMB sector plays a crucial role in serving the single-family mortgage market with sustainable mortgage products through all economic cycles. IMBs are non-depository institutions that typically focus exclusively on mortgage lending. Over the past decade, IMBs have become the primary source of mortgage credit for low- and moderate-income, first-time, and minority homebuyers.
Read the IMB Fact Sheet
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Independent Mortgage Banks: Financing the American Dream
Inside you will find:
- Facts about IMBs
- The IMB Business Model
- Bridging the Gap: IMBs' Role in Serving LMI and Minority Households
- How IMBs are Thoroughly Regulated
Read the IMB Policy Spotlight
Opportunities to Improve Market Resilience and Enhance Value for First-Time Homebuyers
Inside you will find:
- Improved Reimbursement Speeds
- Early-Buyout (EBO) Securitization
- Bifurcation of Mortgage Servicing Right (MSR) Assets
- Pool Splitting
- Increased Guarantee Gee (G-Fee) for Liquidity Risk
- Expanded Federal Home Loan Bank (FHLB) System Membership
Read The Rising Role of the IMB
IMB Benefits and Policy Implications
Inside you will find:
- Policy Implications of Rising IMB Market Share
- The IMB Business Model
- Evolving Market Dynamics
- Regulatory Oversight of IMBs
- Recommendations to Enhance the Stability of the Housing Finance Market
Working For: Independent Mortgage Bankers
Check out the primary membership benefits independent mortgage bankers appreciate most.