Join Jeff Simpkins (http://blog.communitybankconsulting.com/)as he talks with Jamie Smoker, Senior Vice President of Monarch Community Bank (http://www.monarchcb.com/) in Coldwater MI. Monarch is a leader in residential mortgage lending in their markets. Jamie leads the mortgage group at Monarch and will discuss the trends they have seen in mortgage over this year and hear his insights into successes in a challenging economy.