California state$-$chartered savings banks are permitted all the following activities EXCEPT

a$.$ making loans of up to $100\%$ of appraised value.

b$.$ investing in speculative real estate.

c$.$ making nonresidential loans to $40\%$ of their total assets.

d$.$ issuing checking accounts.

Are insurance companies making real estate home loans in yot community? If not, how are buyers financing their purchases?

Compare the costs for securing a real estate loan from a cred union with those of a local bank or thrift. Are there significar differences?