Trusted expertise

for a changing financial landscape
As the industry evolves, financial institutions need a partner to navigate the complexities and stay a step ahead. Young & Associates is a nationwide leader in financial institution consulting, outsourcing and education. We provide the trusted expertise you need to manage risk, stay compliant and position for growth and profitability.
The Y&A ADVANTAGE

Deep banking roots grow strong relationships

We understand your business better than most because we've been right where you are now. Our consultants are comprised of former banking executives, who spent decades in the industry. We draw on the depth of our practical experience and technical expertise to use it to your advantage.
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Live Webinar on Monday, October 28th

Common LE Errors & The Real Estate Commission Conundrum

Avoid Costly Mistakes & Learn Practical Strategies for Completing Loan Estimates Accurately

Join us for an informative webinar where a compliance expert from Y&A will guide you through the most common Loan Estimate (LE) errors and provide practical strategies for handling the latest real estate commission changes. This session will cover critical topics such as proper LE timing, best practices for LE completion, avoiding documentation mistakes, and navigating the impact of real estate commission adjustments. Attendees will leave with actionable strategies to protect both applicants and financial institutions, ensuring compliance and reducing risk.

Meet our industry EXPERTS

Specialized expertise with decades of experience

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Jerry Sutherin
Chief Executive Officer
Michael Gerbick
Michael Gerbick
President
David Reno
David Reno
Director of Loan Review & Lending Services
Products and Policies for Your Financial Institution
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FIND policies, toolkits and resources

Shop products and policies for your financial institution

As an added value for our clients, we have created a variety of compliance, lending, risk management and IT policies and toolkits for our clients to purchase and implement at their own organizations.
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Grow your knowledge base

Financial education and training services

We offer a variety of educational programs, webinars and in-house training to help you develop and train your management team, employees and directors. Our programs cover a wide array of topics from regulatory compliance to lending and loan administration, and we can customize programs to fit your needs.
Education Services
Stay industry focused

Find the latest news, insights and resources

2025 Rescission Calendar – Free Download Now Available
2025 Rescission Calendar – Free Download Now Available
The right of rescission, governed by Regulation Z under the Truth in Lending Act (TILA), remains a cornerstone of consumer protection in the lending industry. For financial institutions, ensuring compliance...
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Handle ARM Adjustments with Care
Adjustable-rate mortgages have not been much of an issue since fixed rates have been so low, but they are still an important tool.
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Connect with a consultant

Contact us to learn more about our consulting services and how we can add value to your financial institution