America's Community Bankers recently held its annual National Real Estate Lending Conference in Scottsdale, Ariz., and made the following announcements:

Community Banks are just as likely to hold mortgages in their own portfolios as they are to sell them into the secondary market. Furthermore, the number of community banks that do sell loans to the secondary market are equally likely to sell them to private sector participants as they are Fannie Mae and Freddie Mac. These findings are based on an ACB survey, which tallied responses from 335 community banks sponsored by the Office of Thrift Supervision.

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