Independent Banker - April 2019 - 22

PORTFOLIO
How to streamline the
mortgage experience
Lending
More and more homebuyers, many of
them internet-savvy young professionals,
are depending on digital services to purchase a home.
While some community banks have relied on thirdparty
vendors to create such software to attract these
new customers, others are innovating on their own.
By Ed Avis
he National Association of Realtors reports that
people ages 28 to 37 are more likely to buy a house
than any other age group. This cohort, called " Older Gen
Y/Millennials " in the NAR's 2018 Home Buyer and Seller
22 Q ICBA Independent Banker Q April 2019
T
Generational Trends report, makes up 28 percent of current
homebuyers. And the next older group, Generation X,
makes up 26 percent.
What do these relatively young buyers have in common?
They like doing things online.
" I think that's a general trend in all types of financial
transactions, " says Cris deRitis, deputy chief economist at
Moody's Analytics. " We've seen higher adoption of financial
smartphone apps by millennials than other cohorts. It's
unclear whether they like to finish complex transactions,
such as mortgages, online, but it's very clear that they use
the internet and their smartphones to comparison shop. "

Independent Banker - April 2019

Table of Contents for the Digital Edition of Independent Banker - April 2019

Table of Contents
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