06/09/2026
According to 2025 mortgage data, 54% of mortgages were originated through independent mortgage banks, while 31% came from banks/credit unions. Even so, many first-time homebuyers still start wtih their bank because that's where they naturally assume a mortgage should come from.
Repeat buyers often have a different persepctive. After going through the process once, they realize they have options and may explore lenders that can offer a more specialized and timely mortgage experience.
Banks and credit unions play an important role. I spent 25 years originating mortgages with one of our local banks. That experience gave me a firsthand look at both the strengths and challenges of the traditional mortgage process. Sometimes borrowers encounter longer underwriting timelines, additional documentation requests, communication delays, or closing-date challenges.
As a mortgage lender since 1998, my focus is helping clients navigate the process efficiently, providing personalized guideance, and making sure they understand all of their options, so they can choose the solution that best fits their needs.
