White Paper
Published July 1, 2025
Housing Advanced Analytics & Modeling Data Sources Marketing
This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.
Key Takeaways:
- $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
- Behavior Gap: Many consumers default to credit cards due to misconceptions about HELOCs.
- Smart Targeting: Use data to identify Revolvers and tailor offers that resonate.
- Digital Advantage: Compete with fintechs by streamlining approvals and closings.
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Webinar
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White Paper
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White Paper
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Prepare your portfolio before peak holiday spending with insights into changing consumer behavior, credit trends and risk signals.
- Understand how income divergence is reshaping portfolio risk.
- Learn how BNPL, AI and alternative data influence lending decisions.
- Identify strategies to grow wallet share while managing early delinquency risk.
- Prioritize actions before the holiday shopping season begins.