Home Equity Lending Study
MBA's Home Equity Lending Study is now open for registration and will collect benchmarking data – volume, utilization rates, operational metrics, and growth expectations – related to lending and servicing open-ended Home Equity Lines of Credit (HELOCs) and closed-end Home Equity Loans for full-year 2024. If you are a large bank, community bank, credit union, or independent mortgage bank that originates or services HELOCs or home equity loans, this study will provide you an opportunity to benchmark your company’s business against peers.
Please download the registration form below for additional information on study elements, timeline, and program benefits.
A highlights publication from the 2024 study (2023 data) is available for purchase and includes key findings and charts, which are detailed below.
The following charts are included:
- ECONOMIC OVERVIEW
- STUDY HIGHLIGHTS:
- Highlights
- Initiatives
- Opportunities and Challenges
- ORIGINATIONS
- Operating Structure: HELOC and Home Equity Loan Origination Business
- Operating Structure: HELOC and Home Equity Loan Origination Systems
- 2023 HELOC and Home Equity Loan Commitment Volume by Lien Position
- HELOC and Home Equity Loan Commitment Volume by New Account vs. Renewal/Refinance
- Total Commitment Volume by Cross-Sell vs. Broad Market
- Total Commitment Volume by First Contact with Borrower
- Total Commitment Volume by Known Lead Generation Technique
- Total Commitment Volume by Known Borrower Usage
- Total Commitment Volume by Valuation Method
- HELOC and Home Equity Loan Loan-to-Value Ratios
- HELOC and Home Equity Loan Commitments: Average FICO at Closing
- HELOC and Home Equity Loan Commitments by FICO at Closing
- HELOC and Home Equity Loan Pull-Through Rates
- HELOC and Home Equity Loan Processing Times
- HELOC and Home Equity Loan Production Costs
- HELOC and Home Equity Loan Commitments: Growth Expectations
- SERVICING
- Operating Structure: HELOC and Home Equity Loan Servicing Business
- Operating Structure: HELOC and Home Equity Loan Servicing Systems
- HELOC Utilization Rates for Recent Vintage Years
- HELOC and Home Equity Loan Outstandings: Weighted Average % Change from Beginning of Year to Year-End
- HELOC Utilizations
- HELOC Servicing Portfolio Mix
- Indexes for HELOC Variable Rate Adjustments
- HELOC Contractual Commitment Limits
- HELOC Contractual Total Terms
- HELOC and Home Equity Loan: Average Life from Origination to Payoff
- HELOC and Home Equity Loan: Average FICO Score
- HELOC and Home Equity Loan Outstandings by FICO
- HELOC and Home Equity Loan Delinquency and Foreclosure Rates
- HELOC and Home Equity Loan Charge-Offs and Recoveries
- HELOC Account Status
- Zero-Balance HELOC Accounts by Contractual Commitment Limit
- Maximum-Funded HELOC Accounts by Contractual Commitment Limit
- HELOC and Home Equity Loan Servicing Costs
- HELOC and Home Equity Loan Outstandings: Growth Expectations
If your company originates and/or services HELOCs or Home Equity Loans and would like to participate in the 2025 study (covering 2024 data), or if you have questions on ordering the highlights publication, contact [email protected] or call (202) 557-2943.