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Trade Desk

Trade associations from across the housing industry are on the front lines of issues that lenders, real estate agents and everyone in between face every day. In these letters, they give their members an inside look at what they are working on, and the most important issues facing each industry today. The following organization updates were originally published in HousingWire Magazine’s June/July issue. Click here to read the full issue.



Katie Sweeney, CEO

AIME Members, 

Summer is an especially exciting time here at AIME. It marks the arrival of our annual celebration, National Mortgage Brokers Day (NMBD), now in its sixth consecutive year. When NMBD was first created, it was a way for mortgage professionals across the country to build awareness of independent mortgage brokers in their local communities. Today, we are taking that awareness a step further by focusing the full strength of our efforts on Capitol Hill.

We’re commanding legislative attention by bringing important homeownership issues directly to policymakers in Washington, D.C. For the first time, our newly appointed state captains will participate in an in-depth training day on Capitol Hill.

They will learn to become effective advocates for ensuring our voice is represented in the policy decisions made by our state and federal lawmakers.

I also encourage each and every wholesale mortgage professional to celebrate the impact of independent brokers by hosting your own local NMBD festivities. Wear your “Brokers Are Better” t-shirts and connect with borrowers in your community to let them know that brokers are their neighborhood mortgage experts.

Now is the time for us to recognize our importance to the larger housing market. Together we can stand up for the independent voices in our communities. The celebration and recognition that accompany NMBD serve as an opportunity for us to be bold and make a statement — brokers are here, and they are better for consumers


MBA Members,

The combination of high mortgage rates, high home prices and low inventory has made purchasing a home very challenging for many prospective homebuyers, especially for minorities and low- to moderate-income families.

At the national level, MBA continues to work with regulators on solutions to deliver affordable, equitable, sustainable and responsible financing to meet the needs of today’s homebuyers. The work does not stop there. MBA’s affordable housing initiative, CONVERGENCE, is leading the charge in three cities — Memphis, Columbus and Philadelphia — to increase affordable homeownership opportunities for Black, Hispanic and other diverse households.

CONVERGENCE engages local lenders, nonprofit organizations, affordable housing advocates and public officials to identify and create new solutions to address housing affordability challenges, with a special focus on addressing the racial homeownership gap. The program has been well-received in the three cities, with industry and community leaders coming together to develop on the- ground tools and resources that make affordable homeownership a possibility. Our work with community leaders has also provided us with a growing template of best practices for how lenders, real estate professionals, housing counselors and others can work together to better serve minority borrowers and those in underserved communities. This ongoing, local engagement — and the lessons learned — will help drive strategic initiatives that are scalable and effective.

Closing the racial homeownership gap is a top priority for MBA, and CONVERGENCE is just one of our initiatives currently underway to promote and advance minority homeownership.


Robert Broeksmit, President and CEO



 Alicia Huey, President and CEO

NAHB Members, 

Almost 11 million people — including self-employed workers — worked in construction across the U.S. in 2021. Economists at the National Association of Home Builders (NAHB) analyzed the data, which comes from the Census Bureau’s American Community Survey (ACS), and estimate that out of the 11 million, roughly 4.5 million people worked in residential construction, representing 2.9% of the employed civilian labor force.

It comes as no surprise that California, the nation’s most populous state, has the most residential construction workers. It accounts for over 3.5% of the state’s employed labor force. Fast-growing Florida comes in second with almost 440,000 residential construction workers. NAHB economics’ assessment also looked at home building employment by congressional district. The average congressional district has about 760,000 residents, of which roughly 10,300 work in residential construction. That number is significantly higher in some high-growth districts. For example, Montana’s lone congressional district has 27,400 residents working in the industry. Montana gained a second congressional district in 2022 after the 2020 U.S. census.

This assessment of residential construction employment includes self-employed workers. It is important to count such workers in estimates of home building employment, as one-person enterprises have traditionally made up a larger share of the labor force in this sector than in most other industries. It is important to note that these employment estimates only include workers directly employed in the home building industry and do not count jobs created in related industries, such as building materials manufacturing and supply, engineering and architecture, furniture making and finance. As a result, the estimates understate the overall impact of home building on employment. Demand for skilled construction workers is growing. NAHB, along with its workforce development partners, the Home Builders Institute and the National Housing Endowment, are investing in education and training for the next generation of skilled workers who will build the homes of the future.


NAMMBA Members, 

DIVERSIFi is the Road Map for lending and agents in 2023. When I was working in the real estate finance industry, putting together sales teams, setting goals and working with borrowers, I needed a tool that could show me if I was wasting my time, or even headed in the right direction.

It would have taken the sting out of so many closed doors and lost afternoons, trying to sell the wrong lending product to the wrong demographic. While I haven’t yet found a wand, crystal ball or magic mirror that can tell me if I have the right target market, I’ve been working on something that is so close — and a bit less woo-woo.

It’s data. So much data. Data is the key to success!

Fortunately for you, this data has been organized to tell a story. You won’t have to dig through dozens of graphs, spreadsheets or company memos to find the answers you’re looking for. 

All of the data is organized on a map that can show you where your CRA mortgage opportunities are; where more education around lending and selling might be needed; what the best products to market would be, based on census data; and who your best partners in real estate and lending will be for the market you cover.

NAMMBA and iEmergent have been working to create a tool, DIVERSIFi, that will allow anyone in the real estate finance business to better understand the market they serve, reach more of that market and create connections and relationships with them. 

Instead of blanketing your market segment with everything you offer, or missing areas of town with low competition but high-profit margins, DIVERSIFi allows you to more accurately pinpoint which areas will respond to different lending products. 

We designed DIVERSIFi for teams just like yours to use in creating actionable strategies. It’s a data tool that you can actually use, no magic wand is necessary.


Tony Thompson, President



Kenny Parcell, President

NAR Members, 

The Washington Post reported earlier this year that stability was the No. 1 trait members of Generation Z seek from prospective employers as this group continues its graduation into the U.S. workforce.

Stability in many ways represents one of the most attractive features of homeownership. Home is where we start families, raise children and grow old beside those we love. These structures offer safety, comfort, financial security and one of the best possible paths toward long-term wealth. It’s no surprise then, given this generation’s desire for permanence and security, that many Gen Zers are already pursuing their own piece of the American dream. NAR’s most recent Home Buyer and Seller Generational Trends report examined similarities and differences of home buyers and sellers across various age groups. One of the most noteworthy findings is the fact that Generation Z now makes up 4% of homebuyers in the U.S. “As the youngest generation of home buyers and sellers, it’s encouraging to see Gen Z entering the market,” NAR’s deputy chief economist and vice president of research Jessica Lautz noted when the report was released.

“Their desire for homeownership is strong and many are relying on family support systems to help them make their first real estate purchase.” Another surprising revelation from the report, is the fact that baby boomers once again represented the largest segment of U.S. home buyers. Millennials had been the biggest from 2014 to 2022. Despite the advanced age of this demographic, baby boomers are showing a prolonged ability to capitalize on the equity many have accumulated through decades of homeownership. “The majority of baby boomers are repeat buyers who have housing equity to propel them into their dream home,” Lautz added. “Baby boomers are living healthier, longer lives and making housing trades at later stages in their lives.”


NRMLA Members,

A lot is going on in the reverse mortgage business at the moment and the most effective way to stay engaged with our memberships by hosting in-person events in areas of the country where we have the highest concentrations of members.

NRMLA has scheduled a few regional events this summer, one in Irvine, Calif. on June 6 and a second one on July 13 in Austin, Texas. If you are near either one of these locales, we invite you to attend.

These events are designed for both reverse mortgage professionals who want to network and catch up on the latest trends, but also individuals from the forward mortgage space who want to learn more about reverse mortgages and receive practical tips on how to succeed.

Use the opportunity to gain exclusive access to the industry’s top subject matter experts. Be among the first to learn about new market trends, regulatory updates and best practices that will help you drive your business forward. Don’t miss out on this unique opportunity to connect with industry leaders and build new relationships that will help you succeed.

At most NRMLA conferences, we not only discuss reverse mortgages, but oftentimes the broader economy and issues impacting America’s aging population. Last year, Thomas Drapala, from the National Association of Registered Social Security Analysts, discussed ways that individuals can maximize their Social Security benefits and how reverse mortgages can be part of their claiming strategy.

Our meetings provide a valuable forum for mortgage professionals to learn something new and to grow professionally. With insightful speakers and informative panels, you’ll leave with a wealth of knowledge that can help advance your career. Don’t miss out on this great opportunity to network with peers and industry leaders alike. We look forward to seeing you this summer.


Steve Irwin, President and CEO

3d rendering of a row of luxury townhouses along a street

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