The NAR reports high rents, high debt and competition held novice homebuyers back in 2015.
Credit unions report larger maximum amounts, longer terms and more flexibility.
Targeting first-time homebuyers is key to low-income mortgage lending.
A market share of 32% is the second lowest figure the NAR's survey has ever recorded. The lowest was in 1987.
State chartered credit unions in the state see a 22.6% net income increase in one year.
The GSE remains optimistic after losing a net $475 million in Q3 2015.
Colorado credit union hopes to build excitement and boost the profile of its holiday loan program.
The SEC's approval of JOBS Act Title III rules make the new venture possible.
Wolters Kluwer finds 67% of credit union and bank execs are worried about meeting HMDA requirements.
Despite the staff cuts, capital expenditures are expected to increase the overall operating budget.