Independent Mortgage Banks: Financing the American Dream


Independent Mortgage Banks (IMBs) play a crucial role in serving the core of 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. Mortgage bankers have originated and serviced loans since the 1870s, and IMBs have been an important component of the mortgage market for more than a century.
  

Read the IMB Fact Sheet


IMB: Financing the American Dream PDF

Independent Mortgage Banks: Financing the American Dream
Inside you will find:

  • Facts About IMBs
  • The Independent Mortgage Banker Business Model
  • Evolving Market Dynamics — IMBs Fill the Void When Banks Pull Back From Mortgage Market
  • Regulatory Oversight of IMBs Has Strengthened Significantly Since The Crisis

Read the Latest Whitepaper


The Rising Role of the Independent Mortgage Bank - Benefits and Policy Implications PDF

The Rising Role of the Independent Mortgage Bank — Benefits and Policy Implications
Inside you will find:

  • The Independent Mortgage Bank Business Model
  • Evolving Market Dynamics — IMBs Gain Market Share When Banks Pull Back
  • Regulatory Oversight of IMBs Has Strengthened Significantly Since the Crisis
  • Policy Implications of Rising IMB Market Share
  • Recommendations to Enhance the Stability of the Housing Finance Market