What Young & Associates does

Young & Associates is a privately held professional services firm founded in 1976 and headquartered in Kent, Ohio, that exclusively serves community banks, credit unions, and mortgage lenders with consulting, education, and compliance content products. The company operates three integrated lines: (1) consulting engagements covering regulatory compliance, loan review and acquisition due diligence, asset-liability and risk management, internal audit, IT consulting, appraisal reviews, and quality control; (2) the Community Bankers for Compliance (CBC) Program and live/on-demand webinars delivered via state banking association partnerships in eight states; and (3) a catalog of more than 143 downloadable policy templates and toolkits sold through an e-commerce storefront at shop.younginc.com.

Name

Young & Associates

Legal name

Young & Associates

Website

https://younginc.com

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

11–50 employees

Short description

Young & Associates is a Kent, Ohio-based professional services firm founded in 1976 that provides regulatory compliance, risk management, loan review, and quality control consulting to community banks, credit unions, and mortgage lenders nationwide, alongside compliance training and a 143-SKU policy product catalog.

Ownership category

akta.pro rank

Product category

Banking Compliance Consulting

NAICS

Other Management Consulting Services (541618), Management Consulting Services (54161), Management, Scientific, and Technical Consulting Services (5416), Professional, Scientific, and Technical Services (54)

SIC

Services-Management Consulting Services (8742)

akta.pro primary industry

Risk, Compliance & Internal Controls Consulting (BPAHACAJ)

akta.pro secondary industries

Financial Management & Performance Improvement Consulting (BPAHACAF), Learning, Training & Corporate Education Consulting (BPAHAGAE), Corporate Development & Strategic Partnerships Advisory (JVs, Alliances, Carve-outs) (BPAHAOAG), Banking, Credit & Lending (Underwriting, Credit Risk) (EDABAJAH)

Keywords

• Banking compliance consulting
• Regulatory compliance services
• Loan review services
• Mortgage quality control
• Community bank consulting

Headquarters

HQ city

Kent

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Consulting Services: Professional consulting services covering regulatory compliance, loan review, risk management, internal audit, IT consulting, appraisal reviews, and quality control for financial institutions.
2. Education and Training Services: Live webinars, in-house training, and on-demand programs for compliance, lending, operations, and director development. Includes the CBC Program with membership portal and hotline support.
3. Products and Policies (Shop): Digital downloadable policies, toolkits, and templates sold through an online store for banks, credit unions, and mortgage lenders. Prices range from approximately $195 to $1,345 per product.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Young & Associates is a professional services firm that sells consulting, education, and policy/toolkit products to community banks, credit unions, and mortgage lenders across the United States. Its core consulting practices cover regulatory compliance, loan review and acquisition due diligence, asset-liability risk management, internal audit, IT consulting, third-party appraisal reviews, and mortgage quality control. The firm also runs the Community Bankers for Compliance (CBC) training program in 8 states and operates an online shop with 143+ customizable compliance, lending, IT, and HR policy templates and toolkits.

Product overview

Young & Associates is a consulting firm providing professional services to community banks and credit unions. The company operates as a platform of consulting services and downloadable policy/toolkit products. Consulting services include Regulatory Compliance Services, Loan Review & Acquisition Services, Risk Management, Management Consulting & Strategic Planning, Internal Audit Services, Information Technology Consulting, Appraisal Reviews, and Quality Control. The product portfolio includes over 143 downloadable policy templates and toolkits available through the Y&A Shop, covering areas such as compliance, cybersecurity, IT, lending, management, and live webinars. Education services include the Community Bankers for Compliance (CBC) Program available in 8 states, offering live seminars, webinars, hotline support, and a members-only portal. The company also offers Y&A Credit Services and provides ongoing training through upcoming and on-demand webinars.

Differentiator

Problem solved

Functional benefit

Brands

• Community Bankers for Compliance (CBC): The nation's longest-running compliance training program available in 8 states, offering live seminars, webinars, hotline support, a members-only portal, and a monthly newsletter.
• Y&A Credit Services
• The 90-Day Note
• The Compliance Update

Products and services

• Regulatory Compliance Services Professional consulting services helping community banks and credit unions satisfy complex regulatory requirements from multiple regulators.
• Loan Review & Acquisition Due Diligence Services Loan review and acquisition due diligence consulting for community banks and credit unions executing deals or seeking to reduce portfolio risk and improve performance.
• Risk Management Consulting Asset-liability management consulting covering liquidity, interest rate, and credit risk designed to meet regulatory requirements and strengthen risk frameworks.
• Management Consulting & Strategic Planning Strategic planning and management consulting helping community banks and credit unions plan for sustainable growth and profitability in fluctuating markets.
• Internal Audit Services Outsourced internal audit services to maintain effective systems of internal controls, mitigate compliance risks, and identify operational improvements.
• Information Technology Consulting IT consulting services that help financial institutions comply with regulations, protect against vulnerabilities, and provide seamless IT services to customers.
• Appraisal Reviews Third-party appraisal review service for residential and commercial loans ensuring compliance with applicable guidelines and regulations, with a 3-4 business day turnaround.
• Quality Control Independent reviews of residential lending functions for banks, credit unions, and mortgage lenders, including post-closing QC reviews, pre-funding reviews, FHA branch audits, and early payment default reviews.
• Y&A Credit Services Dedicated credit services line for community banks and credit unions under the Y&A Credit Services sub-brand.
• Community Bankers for Compliance (CBC) Program Flagship compliance training membership program available in 8 states, offering live seminars, webinars, hotline support, members-only portal, and a monthly newsletter for community banks.
• Education Services & Resources (Live and On-Demand Webinars, In-House Training) Education and training services for banks, credit unions, and financial institutions including live webinars ($249 per session), in-house training, on-demand programs, director development, and staff training.
• Y&A Shop — Customizable Policies and Toolkits E-commerce storefront with 143+ customizable downloadable policy templates, toolkits, and templates for compliance, lending, risk management, HR, IT, and more, sold through shop.younginc.com with prices ranging from $195 to $1,795 depending on the product.

Quantifiable outcome

• Quick 3-4 business day turnaround for appraisal reviews
• +1 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• State Associations (Nationwide)coreChannel Partner/ Reseller/ DistributorYoung & Associates partners with state associations nationwide to deliver in-person, virtual, and in-house training programs. The company leverages these partnerships to provide compliance education and professional development across 8 states through the Community Bankers for Compliance (CBC) Program.
• Fannie MaecoreStrategic or Co-development PartnerYoung & Associates provides mortgage quality control services meeting Fannie Mae's strict underwriting and quality standards. QC reviews are conducted within 90 days of period-end as required by Fannie Mae guidelines, and loans must meet their size, credit, and underwriting standards.
• Freddie MaccoreStrategic or Co-development PartnerYoung & Associates provides mortgage quality control services meeting Freddie Mac requirements. Reviews verify loan conformance to standards, insurer/guarantor requirements, and lending regulations. Required reviews are completed within 90 days of prior period-end.
• HUD (U.S. Department of Housing and Urban Development)coreStrategic or Co-development PartnerYoung & Associates provides quality control and compliance reviews for FHA and VA loans under HUD oversight. HUD requires reviews to be completed within 60 days, and the company also performs FHA Branch Audits for traditional and non-traditional branch offices.

Scale indicators3 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• FORVIS: Accounting and consulting firm formed from the merger of FORVIS and BKD, with a strong community bank and credit union practice covering audit, compliance, and risk advisory — a directly comparable service portfolio to Y&A.
• Wipfli LLP: Top-20 U.S. accounting and consulting firm with a dedicated financial institutions practice serving community banks and credit unions on compliance, risk, audit, and technology engagements — directly overlapping Y&A's core service lines.
• Moss Adams: Large U.S. accounting and consulting firm with a financial services practice serving community banks on audit, compliance, and risk — comparable to Y&A in target market and service mix.
• Safe Systems: Provider of IT, compliance, and security services exclusively to community banks, directly addressing the same technology-risk and compliance pain points Y&A's IT Consulting and Cybersecurity Policy products target.
• Plante Moran: Large U.S. accounting and advisory firm with a dedicated financial institutions group serving community and mid-size banks on audit, compliance, and risk — directly comparable to Y&A's consulting practice.
• Compliance Alliance: CUNA-affiliated compliance service provider offering policies, training, and hotline support exclusively to credit unions — overlapping with Y&A's CBC program and policy template offerings.

Broad incumbents

• Crowe LLP: Major U.S. accounting and consulting firm with deep banking practice including compliance, risk, internal audit, and QC services — a broad incumbent competing with Y&A on community and mid-size bank work.
• RSM US: Global consulting and audit firm with a significant middle-market financial institutions practice covering regulatory compliance, risk, and technology — broader portfolio but competes directly for community bank engagements.
• Wolters Kluwer Compliance Solutions: Large provider of regulatory compliance software, content, and advisory services for banks and credit unions — competes with Y&A's policy templates, training, and consulting at the technology/content layer.

Others

• Independent Community Bankers of America (ICBA): National trade association for community banks that provides compliance resources, education, and preferred-provider partnerships — an ecosystem counterpart that influences Y&A's customer base and competitive set rather than a direct service competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Young & Associates