Home Equity Lending Study
MBA’s Home Equity Lending Study collects data – volume, utilization rates, operational metrics, and growth expectations – related to lending and servicing open-ended Home Equity Lines of Credit (HELOCs) and closed-end Home Equity Loans.
The 2025 study (covering 2024 data) collected data from large banks, community banks, and credit unions — representing $24.8 billion in originations volume for 2024; $167.4 billion in maximum credit extended to borrowers as of December 31, 2024; and $70.0 billion in outstanding borrowings as of December 31, 2024.
A highlights publication from the 2025 study (2024 data) is available for purchase and includes key findings and charts, which are detailed below.
The highlights publication includes:
- MARKET ENVIRONMENT
- STUDY HIGHLIGHTS
- OPPORTUNITIES AND CHALLENGES
- ORIGINATIONS
- Operating Structure: HELOC Originations Business
- HELOC and Home Equity Loan Commitment Volume by Lien Position
- HELOC and Home Equity Loan Commitment Volume by New Account vs. Renewal/Refinance
- Total Commitment Volume by Cross-Sell vs. Broad Market
- Total Commitment Volume by First Contact with Borrower
- Total Commitment Volume by Known Lead Generation Technique
- Total Commitment Volume by Known Borrower Usage
- Total Commitment Volume by Valuation Method
- HELOC and Home Equity Loan Loan-to-Value Ratios
- HELOC and Home Equity Loan Commitments: Average FICO at Closing
- HELOC and Home Equity Loan Commitments by FICO at Closing
- HELOC and Home Equity Loan Pull-Through Rates
- HELOC and Home Equity Loan Processing Times
- HELOC and Home Equity Loan Production Costs
- HELOC and Home Equity Loan Commitments: Growth Expectations
- SERVICING
- HELOC Utilization Rates for Recent Vintage Years
- HELOC and Home Equity Loan Outstandings: Weighted Average % Change from Beginning of Year to Year-End
- HELOC Utilizations
- HELOC Servicing Portfolio Mix
- HELOC Contractual Total Terms
- HELOC and Home Equity Loan: Average Life from Origination to Payoff
- HELOC and Home Equity Loan: Average FICO Score
- HELOC and Home Equity Loan Outstandings by FICO
- HELOC and Home Equity Loan Delinquency and Foreclosure Rates
- HELOC Account Status
- HELOC Contractual Commitment Limits
- Zero-Balance HELOC Accounts by Contractual Commitment Limit
- Maximum-Funded HELOC Accounts by Contractual Commitment Limit
- HELOC and Home Equity Loan Servicing Costs
- HELOC and Home Equity Loan Outstandings: Growth Expectations
If your company originates and/or services HELOCs or Home Equity Loans and would like to participate in the study, or if you have questions on ordering the highlights publication, contact [email protected] or call (202) 557-2943.