2020 Home Equity Lending Study (2019 Data) - Highlights Publication

MBA Member Price: $199.00

Nonmember Price: $399.00

Purchase

This summary publication includes key findings and charts from the 2020 Home Equity Lending Study (2019 data) and is available for purchase. The following charts are included:

ECONOMIC OVERVIEW:

  • Owner's Equity in Real Estate and Home Equity Debt Outstanding
  • Residential Investment
  • Home Price Appreciation
  • Consumer Spending
  • Personal Savings Rate
  • Cash-Out Share and the 30-Year Fixed Rate
  • Rate History and Forecast
  • Benchmark Rates for Home Equity Lending

STUDY HIGHLIGHTS:

  • Challenges
  • Initiatives

OPERATING STRUCTURES:

  • Which Area Manages the HELOC/HE Loan Originations Business?
  • Loan Origination Systems
  • Which Area Manages the HELOC/HE Loan Servicing Business?
  • Loan Servicing Systems

COMMITMENTS (ORIGINATIONS):

  • HELOC and HE Loan Commitment Volume by New Account vs. Renewal/Refinance
  • Total Commitment Volume by First Contact with Borrower
  • Total Commitment Volume by Borrower Usage
  • Total Commitment Volume by Valuation Method
  • Loan-to-Value Ratios
  • Average FICO Scores
  • Pull-Through Rates
  • Processing Times

HELOC UTILIZATION:

  • HELOC Utilization Rates (Outstandings/Commitments) for Recent Vintage Years
  • HELOC Utilization Rates (Total Outstandings/Commitments) for Total Commitments
  • HELOC Account Status
  • Zero-Balance HELOC Accounts by Contractual Commitment Limit
  • Maximum-Funded HELOC Accounts by Contractual Commitment Limit

HELOC AND HE LOAN OUTSTANDINGS: FINANCING TERMS AND PERFORMANCE:

  • HELOC and HE Loan Outstandings: % Change from Beginning of Year to Year-End
  • HELOC Servicing Portfolio Mix
  • Index for HELOC Variable Rate Adjustments
  • HELOC Contractual Commitment Limits
  • HELOC Contractual Total Term
  • HELOC and HE Loan: Average Life from Origination to Payoff
  • HELOC and HE Loan: Delinquency and Foreclosure Rates

GROWTH EXPECTATIONS:

  • HELOC and HE Loan Commitments: Growth Expectations
  • HELOC and HE Loan Outstandings: Growth Expectations

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

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