Independent Banker - January 2020 - 35
The common theme for many community banks in 2019
was a fairly stable pace of lending activity. " The decline in
long-term interest rates has made it more attractive for some
businesses that are looking at expanding operations, " says
Greg Boudreau, chief lending offi cer and chief credit offi cer of
$650 million-asset Regent Bank in Tulsa, Okla. That business
expansion activity runs the gamut from buying machinery
and equipment, to refi nancing real estate, to expanding an
existing facility or buying a new facility, he adds.
Positive for consumers
The low interest-rate environment is giving consumers more
buying power in the residential market. As of October 2019,
the secondary market rates on a 15-year mortgage rate were
hovering at 3.16% and the 30-year rate at 3.64%-about
100 basis points lower than a year ago. " That is extremely
cheap capital, " Prejean says. The low rates also help to make
homeownership more attainable for low- and moderate-income
homebuyers who may not have been able to aff ord to
buy a home when rates were higher, he adds.
Another positive indicator for community bank consumer
mortgage lending is the latest Fannie Mae Housing Forecast
from October 2019, which is projecting that new single-family
home construction starts will have risen 2.7% in 2020
to 903,000 units. In addition, total home sales, which were
relatively fl at in 2019 at 6 million, are forecast to edge 0.8%
higher in 2020 to 6.06 million.
Local economies influence opportunities
Yet in some markets around the country, interest rates have
been less of a driver as compared with general economic
" I think 2020 will still
have good activity, as
borrower confidence
remains high. "
-Anthony F. DeSenzo, SB One Bank
Safe and Sound
When it comes to the important things,
you're in protection mode 24/7, like the
Cyber Safety & Soundness of your bank
Learn more: 206-512-8691 www.DefenseStorm.com
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Independent Banker - January 2020
Table of Contents for the Digital Edition of Independent Banker - January 2020
Table of Contents
Independent Banker - January 2020 - Intro
Independent Banker - January 2020 - Cover1
Independent Banker - January 2020 - Cover2
Independent Banker - January 2020 - Table of Contents
Independent Banker - January 2020 - 2
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Independent Banker - January 2020 - Cover3
Independent Banker - January 2020 - Cover4
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