Tag: HELOC

Rising late-stage mortgage delinquencies signal hidden risk in 2025. Learn how lenders can identify early warning signs and manage mortgage and HELOC risk proactively.

Home equity lending has re-emerged as a central theme in the U.S. financial landscape, driven by economic realities and consumer behavior.

The June 2025 housing market trends report presents a nuanced view of the U.S. mortgage and home equity landscape.

Fraudsters have evolved their techniques to capitalize on homeowners and lenders by shifting their focus from home purchases to HELOC fraud.

As the market has shifted, effective cost management is a top priority. Learn the benefits of creating a multichannel mortgage marketing strategy.

With HELOC end of draw peaking, lenders must consider best practices and actions to take to manage and optimize their portfolios.

With a wave of HELOCs reaching the end-of-draw period, lenders are anxious to see how this will impact their portfolio. A new Experian study reveals likely consumer behaviors.

HELOC originations benefit from the real-estate recovery and consumer desire to tap into available equity

Large number of HELOC loans will soon be entering their HELOC end of draw period, giving lenders an opportunity for new finance options

According to the latest Experian–Oliver Wyman Market Intelligence Report, HELOC originations came in at $43 billion for Q4 2015 — a 22% increase over Q4 2014. HELOC originations for all of 2015 totaled $160 billion — a 21% increase year over year. As HELOC originations continue their growth trend, lenders can stay ahead of the competition by using advanced analytics to target the right customers and increase profitability. >> Revamp your mortgage and HELOC acquisitions strategies

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 $31 billion in Q1 2015.

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

HELOC originations grew 27 percent year over year in Q2 2014.

The latest quarterly credit trends analysis by Experian shows that mortgage originations increased by 10 percent over one year ago. More importantly, the data shows a 29 percent increase in home purchases from the prior quarter and a decrease in refinance activity. Additionally, home-equity lines of credit (HELOCs) increased significantly (30 percent over last year), providing further evidence of an improving real-estate market. Source: Mortgage originations increase by 10 percent from a year ago

While the overall average VantageScore® for consumers in Q4 2012 was 748, the average score can vary greatly by specific loan product. For example, the average VantageScore for consumers with a home equity line of credit is 864, which is the highest average score for all products, reflecting tighter lending requirements. Student loans have the lowest average VantageScore of 695.