Conventional lending only
All of its loans were conventional in 2025, 2024 and five years before; it made no government-backed loans, while at the typical similar lender (state member banks making between half and twice as many loans) 2.1% were FHA loans, insured by the Federal Housing Administration. Home purchase was 55.0% of its loans, home improvement 18.2%, other purposes 14.6% and refinance 12.2%. Manufactured homes were 5.2% of its loans, against 0.7%, higher than nearly nine in ten similar lenders.