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2025 Mortgage Lending Trends: Is Your Credit Union Ready for What’s Coming?

November 15, 2024November 18, 2024

As mortgage rates are projected to trend downward in the new year, the market is gearing up for an upswing…

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.menu-toggle-open.menu-toggle-style-bordered{border:1px solid currentColor;}.mobile-toggle-open-container .menu-toggle-open .menu-toggle-icon{font-size:20px;}.mobile-toggle-open-container .menu-toggle-open:hover,.mobile-toggle-open-container .menu-toggle-open:focus-visible{color:var(--global-palette-highlight);}.mobile-navigation ul li{font-style:normal;font-size:28px;}.mobile-navigation ul li a{padding-top:1em;padding-bottom:1em;}.mobile-navigation ul li > a,.mobile-navigation ul li.menu-item-has-children > .drawer-nav-drop-wrap{color:var(--global-palette3);}.mobile-navigation ul li.current-menu-item > a,.mobile-navigation ul li.current-menu-item.menu-item-has-children > .drawer-nav-drop-wrap{color:var(--global-palette-highlight);}.mobile-navigation ul li.menu-item-has-children .drawer-nav-drop-wrap,.mobile-navigation ul li:not(.menu-item-has-children) a{border-bottom:0px solid rgba(255,255,255,.1);}.mobile-navigation:not(.drawer-navigation-parent-toggle-true) ul li.menu-item-has-children .drawer-nav-drop-wrap button{border-left:0px solid rgba(255,255,255,.1);}#mobile-drawer .drawer-inner,#mobile-drawer.popup-drawer-layout-fullwidth.popup-drawer-animation-slice .pop-portion-bg,#mobile-drawer.popup-drawer-layout-fullwidth.popup-drawer-animation-slice.pop-animated.show-drawer .drawer-inner{background:rgba(255,255,255,0);}#mobile-drawer .drawer-header .drawer-toggle{padding:.6em .15em .6em .15em;font-size:24px;}.site-middle-footer-inner-wrap{padding-top:30px;padding-bottom:30px;grid-column-gap:30px;grid-row-gap:30px;}.site-middle-footer-inner-wrap .widget{margin-bottom:30px;}.site-middle-footer-inner-wrap .site-footer-section:not(:last-child):after{right:calc(-30px / 2);}.site-top-footer-wrap .site-footer-row-container-inner{font-style:normal;font-weight:normal;font-size:18px;color:var(--global-palette7);}.site-footer .site-top-footer-wrap a:not(.button):not(.wp-block-button__link):not(.wp-element-button){color:var(--global-palette7);}.site-top-footer-inner-wrap{padding-top:50px;padding-bottom:30px;grid-column-gap:30px;grid-row-gap:30px;}.site-top-footer-inner-wrap .widget{margin-bottom:30px;}.site-top-footer-inner-wrap .widget-area .widget-title{font-style:normal;font-size:11px;letter-spacing:3px;color:var(--global-palette7);}.site-top-footer-inner-wrap .site-footer-section:not(:last-child):after{right:calc(-30px / 2);}.site-bottom-footer-wrap .site-footer-row-container-inner{font-style:normal;color:var(--global-palette7);}.site-footer .site-bottom-footer-wrap a:where(:not(.button):not(.wp-block-button__link):not(.wp-element-button)){color:var(--global-palette7);}.site-bottom-footer-inner-wrap{padding-top:30px;padding-bottom:30px;grid-column-gap:30px;}.site-bottom-footer-inner-wrap .widget{margin-bottom:30px;}.site-bottom-footer-inner-wrap .site-footer-section:not(:last-child):after{right:calc(-30px / 2);}#colophon .footer-html{font-style:normal;font-size:14px;}.header-navigation-dropdown-direction-left ul ul.submenu,.header-navigation-dropdown-direction-left ul ul.sub-menu{right:0px;left:auto;}.rtl .header-navigation-dropdown-direction-right ul ul.submenu,.rtl .header-navigation-dropdown-direction-right ul ul.sub-menu{left:0px;right:auto;}.header-account-button .nav-drop-title-wrap > .kadence-svg-iconset,.header-account-button > .kadence-svg-iconset{font-size:1.2em;}.site-header-item .header-account-button .nav-drop-title-wrap,.site-header-item .header-account-wrap > .header-account-button{display:flex;align-items:center;}.header-account-style-icon_label .header-account-label{padding-left:5px;}.header-account-style-label_icon .header-account-label{padding-right:5px;}.site-header-item .header-account-wrap .header-account-button{text-decoration:none;box-shadow:none;color:inherit;background:transparent;padding:.6em 0em .6em 0em;}.header-mobile-account-wrap .header-account-button 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input[type="checkbox"]{width:auto;}#login-drawer .drawer-inner .drawer-header{position:relative;z-index:100;}#login-drawer .drawer-content_inner.widget_login_form_inner{padding:2em;width:100%;max-width:350px;border-radius:.25rem;background:var(--global-palette9);color:var(--global-palette4);}#login-drawer .lost_password a{color:var(--global-palette6);}#login-drawer .lost_password,#login-drawer .register-field{text-align:center;}#login-drawer .widget_login_form_inner p{margin-top:1.2em;margin-bottom:0em;}#login-drawer .widget_login_form_inner p:first-child{margin-top:0em;}#login-drawer .widget_login_form_inner label{margin-bottom:.5em;}#login-drawer hr.register-divider{margin:1.2em 0;border-width:1px;}#login-drawer .register-field{font-size:90%;}@media all and (min-width: 1025px){#login-drawer hr.register-divider.hide-desktop{display:none;}#login-drawer p.register-field.hide-desktop{display:none;}}@media all and (max-width: 1024px){#login-drawer hr.register-divider.hide-mobile{display:none;}#login-drawer p.register-field.hide-mobile{display:none;}}@media all and (max-width: 767px){#login-drawer hr.register-divider.hide-mobile{display:none;}#login-drawer p.register-field.hide-mobile{display:none;}}.tertiary-navigation .tertiary-menu-container > ul > li.menu-item > a{padding-left:calc(1.2em / 2);padding-right:calc(1.2em / 2);padding-top:.6em;padding-bottom:.6em;color:var(--global-palette5);}.tertiary-navigation .tertiary-menu-container > ul > li.menu-item > a:hover{color:var(--global-palette-highlight);}.tertiary-navigation .tertiary-menu-container > ul > li.menu-item.current-menu-item > a{color:var(--global-palette3);}.header-navigation[class*="header-navigation-style-underline"] .header-menu-container.tertiary-menu-container>ul>li>a:after{width:calc(100% - 1.2em);}.quaternary-navigation .quaternary-menu-container > ul > li.menu-item > a{padding-left:calc(1.2em / 2);padding-right:calc(1.2em / 2);padding-top:.6em;padding-bottom:.6em;color:var(--global-palette5);}.quaternary-navigation .quaternary-menu-container > ul > li.menu-item > a:hover{color:var(--global-palette-highlight);}.quaternary-navigation .quaternary-menu-container > ul > li.menu-item.current-menu-item > a{color:var(--global-palette3);}.header-navigation[class*="header-navigation-style-underline"] .header-menu-container.quaternary-menu-container>ul>li>a:after{width:calc(100% - 1.2em);}#main-header .header-divider{border-right:1px solid var(--global-palette6);height:50%;}#main-header .header-divider2{border-right:1px solid var(--global-palette6);height:50%;}#main-header .header-divider3{border-right:1px solid var(--global-palette6);height:50%;}#mobile-header .header-mobile-divider,#mobile-drawer .header-mobile-divider{border-right:1px solid var(--global-palette6);height:50%;}#mobile-drawer .header-mobile-divider{border-top:1px solid var(--global-palette6);width:50%;}#mobile-header 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.kadence-svg-iconset{font-size:1em;}.header-contact-item img{display:inline-block;}.header-contact-item .contact-label{margin-left:.3em;}.rtl .header-contact-item .contact-label{margin-right:.3em;margin-left:0px;}.header-mobile-contact-wrap .element-contact-inner-wrap{display:flex;flex-wrap:wrap;align-items:center;margin-top:-.6em;margin-left:calc(-.6em / 2);margin-right:calc(-.6em / 2);}.header-mobile-contact-wrap .element-contact-inner-wrap .header-contact-item{display:inline-flex;flex-wrap:wrap;align-items:center;margin-top:.6em;margin-left:calc(.6em / 2);margin-right:calc(.6em / 2);}.header-mobile-contact-wrap .element-contact-inner-wrap .header-contact-item .kadence-svg-iconset{font-size:1em;}#main-header .header-button2{border:2px none transparent;box-shadow:0px 0px 0px -7px rgba(0,0,0,0);}#main-header .header-button2:hover{box-shadow:0px 15px 25px -7px rgba(0,0,0,.1);}.mobile-header-button2-wrap .mobile-header-button-inner-wrap .mobile-header-button2{border:2px none 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a:not(.button):hover,#widget-drawer .header-widget2 .drawer-sub-toggle:hover{color:var(--global-palette9);}#mobile-secondary-site-navigation ul li{font-size:14px;}#mobile-secondary-site-navigation ul li a{padding-top:1em;padding-bottom:1em;}#mobile-secondary-site-navigation ul li > a,#mobile-secondary-site-navigation ul li.menu-item-has-children > .drawer-nav-drop-wrap{color:var(--global-palette8);}#mobile-secondary-site-navigation ul li.current-menu-item > a,#mobile-secondary-site-navigation ul li.current-menu-item.menu-item-has-children > .drawer-nav-drop-wrap{color:var(--global-palette-highlight);}#mobile-secondary-site-navigation ul li.menu-item-has-children .drawer-nav-drop-wrap,#mobile-secondary-site-navigation ul li:not(.menu-item-has-children) a{border-bottom:1px solid rgba(255,255,255,.1);}#mobile-secondary-site-navigation:not(.drawer-navigation-parent-toggle-true) ul li.menu-item-has-children .drawer-nav-drop-wrap button{border-left:1px solid 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