Rates & market
The HOA Lending Market in 2026: A Mid-Year View
A mid-year read on the HOA lending market in 2026 from Larry Kirschner, who has spent 30+ years in commercial banking and 20+ years serving on HOA boards. Regional bank consolidation is thinning the direct-lender bench. AI-driven origination is changing how files move. Reserve study scrutiny has not eased since Surfside. Owner delinquency has finally normalized. This post covers what shifted in the first half of 2026, what those shifts mean for boards planning capital projects, and two specific predictions for the back half of the year with the triggers worth watching.
