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ICBA Mortgage (ICBAM), founded in 1990, is a wholly-owned subsidiary of the Independent Community Bankers of America. ICBAM provides community banks direct and indirect access to the secondary mortgage lending market. Strategic secondary market partnerships, powerful technology, superior training courses, and a wide range of mortgage programs, enable community banks to expand their market share, generate fee income and compete with the large mortgage players in today's market.

Community banks who have never originated for the secondary market, as well as community banks who are currently originating for the secondary market, will find competitive products and relationship based services to meet their needs. ICBAM helps community banks support their communities to realize the American dream of owning a home.

ICBA Mortgage provides to community banks, indirect and direct secondary market lending access, diverse mortgage lending programs, and origination and settlement support services.  The ICBAM Programs provide better pricing, access to origination and settlement technology and service benefits beyond what member banks can obtain individually.

ICBA Mortgage supports community banks' access to the secondary market for servicing released programs including; conventional 30 and 15 year fixed, FHA, VA, and USDA Rural Housing by combining advanced technology and motgage solutions through a single channel. Our ICBA Partnership with Fannie Mae and Freddie Mac allow cummunity banks to deliver and service loans for the agencies with benefits beyond what they are able to get themselves.

We provide community banks with advanced technology and resources, enhance efficiency, mitigrate secondary market exposure and risk, reduce operational costs and help them remain comliant. Supported by a dedicated staff, ICBA Mortgage Programs level the playing field and allow community banks to help every family in their community make the American dream a reality.