2009
Trends in
Residential Mortgage Loan Originations and Their Impact on
Community Banks
By James Harvey
The residential real estate market in the United States has
experienced dramatic deterioration in the last several years.
This deterioration has led to large declines in lending across
the board, by type and size of lender. This study examines these
trends, with particular emphasis on the effect of loan
securitization and how it impacted different types of lenders.
The study found that insured institutions, and especially
smaller banks, have seen a substantial increase in their share
of the residential real estate market over the last several
years. The paper analyzes the potential implications of these
changes on the various providers of residential real estate
finance.
Lending Competition of Community Banks and the Farm Credit
System
By Eric Robbins
This study examines the sources of loan competition that
community banks have faced and how the nature of that
competition has changed over the years, as regulations were
altered that previously limited bank branching or the activities
of other competitors, like thrifts and credit unions, or
nonbanks, including government-sponsored enterprises.
Specifically, this study looks at how the Farm Credit System and
farm credit associations are attracting increasing attention
from many community banks as significant loan competitors.
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