Act While Rates Are Right: Agency Lending for Long-Term CRE Success

If you’re leading a community bank, you already know your edge: relationships, responsiveness, and deep local insight. But in today’s rate environment, there’s a strategic opportunity many banks are still overlooking—agency lending for commercial real estate (CRE) clients.

Let’s talk about why now is the time to act—and how Bankers’ Bank can help you do it.

Agency Lending Isn’t Just for the Big Guys

Fannie Mae, Freddie Mac, and HUD aren’t reserved for national lenders or mega-deals. In fact, community banks are uniquely positioned to spot local opportunities—especially in multifamily and affordable housing—to guide borrowers through agency executions.

Recent updates from Fannie Mae and Freddie Mac expand eligibility for manufactured housing and clarify underwriting for condos and co-ops. That means more flexibility for your borrowers—and more ways for you to add value.

Rates Are Still Attractive—and Cuts May Be Coming

The July 25 agency lending update shows spreads tightening and Freddie Mac pricing holding steady. Meanwhile, the Fed is expected to hold rates for now, but market consensus points to two rate cuts before year-end.

Translation? The window to lock in long-term, fixed-rate financing is open—and it may not stay that way. With inflation still sticky and economic uncertainty lingering, helping your clients secure stable financing now could be a game-changer.

You Don’t Have to Go It Alone

Agency lending can feel complex—but that’s where Bankers’ Bank comes in. We bring the expertise, relationships, and streamlined processes to help you deliver agency solutions without the heavy lift. You stay close to your client, we help with the execution.

It’s a win-win: you maintain the deposit relationship, reduce credit risk, and generate fee income—all while helping your clients access some of the most competitive financing available.

Strategic Benefits for Your Bank

Referring CRE clients to agency executions isn’t just good for them—it’s smart for your balance sheet. You reduce concentration risk, free up capital, and create a new stream of non-interest income. In a margin-compressed environment, that’s not just helpful—it’s essential.

Bottom line? Community banks have the relationships. Agency lending has the rates. And Bankers’ Bank has the tools to help you bring it all together.

Let’s talk about how we can help your bank—and your clients—make the most of this moment.