2020 Home Equity Lending Study (2019 Data) - Highlights Publication

This summary publication includes key findings and charts from the 2020 Home Equity Lending Study (2019 data) and is available for purchase. The following charts are included:

ECONOMIC OVERVIEW:

• Owner's Equity in Real Estate and Home Equity Debt Outstanding
• Residential Investment
• Home Price Appreciation
• Consumer Spending
• Personal Savings Rate
• Cash-Out Share and the 30-Year Fixed Rate
• Rate History and Forecast
• Benchmark Rates for Home Equity Lending

STUDY HIGHLIGHTS:

• Challenges
• Initiatives

OPERATING STRUCTURES:

• Which Area Manages the HELOC/HE Loan Originations Business?
• Loan Origination Systems
• Which Area Manages the HELOC/HE Loan Servicing Business?
• Loan Servicing Systems

COMMITMENTS (ORIGINATIONS):

• HELOC and HE Loan Commitment Volume by New Account vs. Renewal/Refinance
• Total Commitment Volume by First Contact with Borrower
• Total Commitment Volume by Borrower Usage
• Total Commitment Volume by Valuation Method
• Loan-to-Value Ratios
• Average FICO Scores
• Pull-Through Rates
• Processing Times

HELOC UTILIZATION:

• HELOC Utilization Rates (Outstandings/Commitments) for Recent Vintage Years
• HELOC Utilization Rates (Total Outstandings/Commitments) for Total Commitments
• HELOC Account Status
• Zero-Balance HELOC Accounts by Contractual Commitment Limit
• Maximum-Funded HELOC Accounts by Contractual Commitment Limit

HELOC AND HE LOAN OUTSTANDINGS: FINANCING TERMS AND PERFORMANCE:

• HELOC and HE Loan Outstandings: % Change from Beginning of Year to Year-End
• HELOC Servicing Portfolio Mix
• Index for HELOC Variable Rate Adjustments
• HELOC Contractual Commitment Limits
• HELOC Contractual Total Term
• HELOC and HE Loan: Average Life from Origination to Payoff
• HELOC and HE Loan: Delinquency and Foreclosure Rates

GROWTH EXPECTATIONS:

• HELOC and HE Loan Commitments: Growth Expectations
• HELOC and HE Loan Outstandings: Growth Expectations

For questions on ordering the summary publication, contact [email protected] or call 202-557-2916.

All sales are FINAL and all charges from those sales are non-refundable. MBA has a NO REFUND POLICY with electronic files. When you click "purchase" on the final confirmation page, you are agreeing to this no refund policy, so please be sure that your order is correct. Orders for electronic files may not be canceled since they are processed immediately upon purchase. If you experience any problem with your download, please contact us immediately at [email protected].