All posts by Robin Gray

First mortgage delinquencies and foreclosures are increasing, particularly in later stages of delinquency. Home equity delinquencies remain low, signaling stability in that segment. Mortgage originations are up, with refinances beginning to recover. HELOC direct mail offers have surpassed first mortgage offers, driven by aggressive marketing and AVM-based personalization. Lenders using property data in marketing outperform peers relying on volume alone. Strategic focus for lenders: tighten risk analytics, integrate data into marketing, and adopt AVM-based personalization.