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After an eight-year dip, mortgage debt is on the rise. As of this past January, American households owed a total of $9.12 trillion in mortgage debt, nearly as much as in 2008 during the early stages of the housing bubble, according to a mortgage industry study from SuperMoney. Competition among lenders is fierce, and the playing field continues to change. Big banks have long dominated the mortgage lending industry, but other real estate companies are taking advantage of technology to expand their services and wade into lending. However, at Golden 1 Credit Union, we believe credit unions can bring consumers something other lenders can’t – delivering the credit union difference with a human touch.

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