Tag: HELOC

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Lender plan for handling HELOC end of draw customers...

As regulators continue to warn financial institutions of the looming risk posed by HELOCs reaching end of draw, many bankers are asking: Why should I be concerned? What are...

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HELOC end-of-draw period peaking for lenders – n...

Ten years after homeowners took advantage of a thriving real-estate market to borrow against their homes, many are falling behind on payments, potentially leaving...

Read More HELOC end-of-draw period peaking for lenders – now what?
HELOC originations still going strong...

HELOC originations continued to benefit from the real-estate recovery and consumer desire to tap into available equity. According to the latest Experian–Oliver Wyman Market...

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Proactively manage HELOC end of draw risk...

Over the next several years, the large number of home equity lines of credit (also known as HELOCs) originated during the boom period of...

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HELOC originations warm up...

According to the latest Experian–Oliver Wyman Market Intelligence Report, HELOC originations came in at $43 billion for Q4 2015 — a 22% increase over...

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The Experian Market Intelligence Brief: The latest con...

Industry leading consumer credit trend data The complete picture of consumer credit trends from Experian’s database of over 230 million consumers Today we launched The...

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HELOC originations continue growth trend...

According to the latest Experian-Oliver Wyman Market Intelligence Report, HELOC originations increased 21% year over year, moving from $25.6 billion in Q1 2014 to...

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The Importance of Restructuring HELOCs before End-of-D...

End-of-Draw approaching for many HELOCs Home equity lines of credit (HELOCs) originated during the U.S. housing boom period of 2006 – 2008 will soon...

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Consumers are tapping into home equity across the nati...

HELOC originations grew 27 percent year over year in Q2...

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Increase in mortgage originations attributed primarily...

The latest quarterly credit trends analysis by Experian shows that mortgage originations increased by 10 percent over one year ago. More importantly, the data...

Read More Increase in mortgage originations attributed primarily to home purchases
Consumers with HELOCs have the highest average credit ...

While the overall average VantageScore® for consumers in Q4 2012 was 748, the average score can vary greatly by specific loan product. For example,...

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HELOC delinquency rate falls below 1 percent...

During Q2 of 2012, home equity line of credit (HELOC) delinquency rates were the lowest in recent years. The delinquency rate fell below 1...

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Consumers’ Personal Debt Ceiling...

With the raising of the U.S. debt ceiling and its recent ramifications consuming the headlines over the past month, I began to wonder what...

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Does mortgage strategic default really exist? Part 2...

In my last blog, I discussed the presence of strategic defaulters and outlined the definitions used to identify these consumers, as well as other...

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