Why Choose Agency Lending—And Why Now

Agency Lending Placement through Bankers’ Bank offers community banks a strategic opportunity to strengthen their balance sheets, while continuing to serve their multifamily clients. By originating multifamily loans and selling them to government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac, banks can offload credit risk. They can also reduce regulatory capital requirements. Such actions support capital adequacy compliance and free up liquidity for new lending opportunities.

Agency execution is particularly attractive due to the consistent investor demand for GSE-backed securities. This enhances both liquidity and pricing efficiency. For community banks, this means more flexibility. It also means a stronger competitive position in the multifamily lending space.

Borrowers also benefit significantly. Agency lending provides access to non-recourse financing, limiting personal liability. Additionally, it enables cash-out refinances, allowing investors to unlock equity for new acquisitions or property improvements. Combined with competitive rates, interest-only options, and longer amortization terms, these features make agency loans a compelling alternative. They offer a better choice compared to traditional bank financing.

With Agency Lending Placement, community banks can expand their lending capacity and retain valuable client relationships. They also deliver high-quality financing solutions tailored to today’s multifamily market.