White Paper
Published July 1, 2025
Mortgage 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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