Home Equity Lending Study

MBA's Home Equity Lending Study

MBA's Home Equity Lending Study includes benchmarking 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 (HE Loans).

If your company originates and/or services HELOCs or HE Loans and would like to participate in the 2020 study, please complete the registration form below and send to homeequity@mba.org.

This study was first conducted in Spring 2019, based on data through 2018. MBA collected data from 27 member companies - including large banks, community banks, and independent mortgage companies - representing $64.7 billion in originations volume for 2018, $517.4 billion in maximum credit extended to borrowers as of December 31, 2018, and $249.7 billion in outstanding borrowings as of December 31, 2018. 

A summary report is available for purchase, and includes key findings and charts from the 2019 Home Equity Lending Study and is available for purchase. The following charts are included: 

  • Owner's Equity in Real Estate and Home Equity Debt Outstanding
  • Residential Lien Summary
  • HELOC Originations
  • Equity Gain By State
  • Home Equity Lender Challenges
  • Home Equity Lender Initiatives
  • Operating Structures: Originations and Servicing
  • 2018 Commitment Volume Levels
  • First Borrower Contact
  • Reasons for Borrowing
  • Underwriting Characteristics: Loan-To-Value Ratios
  • Underwriting Characteristics: Valuation Method
  • Underwriting Characteristics: Average FICO
  • Pull-Through Rates and Processing Times
  • Vintage Year Utilization Comparison (2016, 2017 and 2018)
  • HELOC Accounts with 0% to 100% Usage as of Year-End 2018
  • HELOC and HE Loans Outstandings: Financing Terms & Performance
  • HELOC and HE Loan Growth Expectations

For questions on ordering the summary publication, contact homeequity@mba.org or call 202-557-2916.

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