Troy Martens, vice president of consumer and real estate lending at Truliant Federal Credit Union, jokes that five years ago, area Realtors knew Truliant more as a place to go for car loans than for mortgages.

"When I came on board here, we really didn't have a high profile with Realtors as a source of mortgages," Martens said. "They would think of us for the cars they needed to drive but not for the mortgages they needed to have closed."

That hurt Truliant, Martens soon realized, because it effectively shut the credit union out of a potential stream of members looking for mortgages, and Realtors will often have "go to" mortgage providers when they are trying to sell a property.

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