Mortgage Lending School

The IBA Foundation, Inc. prides itself on providing members with one of the best nonprofit banker education programs in the country. The highly acclaimed Mortgage Lending School addresses the most immediate and relevant training needs of the financial industry.

One of the greatest investments employers can make is in the continued education of their employees. Seminars, workshops, conferences and schools not only provide professionals with an updated and contemporary framework to make better judgments and more informed decisions but also assist in developing a resourceful network of peer bankers.

The IBA Foundation, Inc. prides itself on providing members with one of the best nonprofit banker education programs in the country. Featured in this brochure is the highly acclaimed 2026 Mortgage Lending School, which addresses the most immediate and relevant training needs of the financial industry.

We know that bankers demand a strong return on education, “ROE,” in terms of dollars, time and effort spent.

You can count on this school to provide:

  • Practical, hands-on curriculum designed for learning by doing and for easy application at the bank;
  • Small class size to increase networking opportunities and personalized instruction;
  • A school designed and governed by bankers and taught by experienced bankers and consultants;
  • and Reasonable enrollment fees and an academic atmosphere conducive to a stimulating learning experience.
Event Dates

Tuesday, September 22, 2026 to Thursday, September 24, 2026

Location

IBA Center for Professional Development
8425 Woodfield Crossing Blvd. Suite 155E
Indianapolis, IN 46240

Maps and Dining Options

Google Map

Registration

IBA Members

$599

Participation in IBA programs is limited to members, associate  members, and nonmembers from an eligible membership category  at applicable member or non-member rates. Surcharge of 100% for Non-Members.

Fees include, casebook, study materials, continental breakfast, lunch and refreshment breaks each day. 

Questions

Laurie Rees, Senior Vice President of Professional Development
LRees@indiana.bank

Molly Gibbs, Assistant Vice President - Education & Training
MGibbs@indiana.bank

Susan Clark, Professional Development Coordinator
SClark@indiana.bank

Silvia Regalado, Professional Development Coordinator
SRegalado@indiana.bank

Program Topics

Learning Objectives

Loan Application & Interviewing

  • Verifying Income
  • Verifying Debt Level
  • Gift Letters
  • Verifying Assets

Secondary Mortgage

  • Market Pricing Loans & Portfolios
  • Fannie Mae/Freddie Mac Sales
  • Private Mortgage Insurance

Lending to Self-Employed Borrowers

  • Analyzing Tax Returns
  • Analyzing Personal Financial Statements
  • Various Legal Structures Underwriting
  • Debt Ratios
  • Mitigating Factors
  • Conditional Approvals
  • Automated Underwriting
  • Closing Documentation

Underwriting

  • Debt Ratios
  • Mitigating Factors
  • Conditional Approvals
  • Automated Underwriting
  • Closing Documentation

Regulatory Compliance

  • RESPA and TILA...TRID
  • ECOA - Spousal Signatures
  • Fair “Banking”
  • Flood Disaster Protection Act
  • Fair Credit Reporting
  • Fair Debt Collection Practices

Construction Financing & Site Visit

  • Draw Schedule
  • Reviewing Builders’ Financial Statements
  • General Economic-Risk Factors

Loan Originations

  • Setting up Referral Networks
  • Sales-Management Tools
  • Bank-Sponsored Sales Events

Appraisals

  • Role of the Reviewer
  • Selection of Appraisers
  • The Uniform Residential Appraisal Report
  • Three Approaches in Determining Value
    • Cost Approach
    • Income Approach
    • Sales-Comparison Analysis
  • Red Flags To Look for on the Appraisal