Home Equity LendersBenchmark Analyzer

The only consortium of its kind to help lenders leverage near real-time market origination data.

Home Equity lending has become increasingly challenging over the last several years as new entrants enter the market, and existing lenders have become much more prescriptive in their approach around pricing, risk segmentation and operations.  Home Equity LendersBenchmark Analyzer allows lenders to leverage near real-time market origination data to allow for better informed decision making and immediate feedback on market performance to peers.

LendersBenchmark Analyzer is a competitive intelligence solution that enables lenders to assess lending performance in near-real-time against an anonymized market consortium of their peers, delivering a scalable and dynamic framework to proactively manage margins and optimize operational performance. 

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Solution Highlights

  • Timely, Loan Level Data
  • Actionable Metrics
  • Flexible Delivery Model
Timely, Loan Level Data

Lender sourced, originations insights delivered on a weekly basis.

Actionable Metrics

Key lending performance metrics including market demand, market share, operational efficiency, interest rates and risk profile/business mix.

Flexible Delivery Model
  • Web based dashboard interface
  • Data extraction library
  • Direct access leveraging Excel, Tableau, or PowerBI

Lenders provide:

  • Application & booked origination volume
  • Product types and terms
  • Event dates for operational benchmarking
  • Interest rates
  • Zip code geo mapping
  • Subchannel delivery type
  • Loan level risk characteristics, including:  credit scores, CLTV, debt-to-income, loan sizes, & lien position

Curinos provides:

  • Competitive price positioning
  • Production/sales productivity
  • Product management insights
  • Relative risk metrics
  • Operational performance
  • Branch productivity
  • Marketing effectiveness
  • Risk segmentation and trends
  • White space discovery
Access to the largest market consortium for small business, mortgage and consumer lending with $2.5T of loan volume tracked representing 7MM total transactions, lenders can:

Monitor Lending Performance

Weekly insight into key performance indicators across vital loan attributes.

Optimize
Revenue

Measure volume response to changes in margin.

Increase Lending Volume

Understand market mix and volume opportunities.

The LendersBenchmark Analyzer Advantage

LendersBenchmark Analyzer for Home Equity Lending is the only consortium product in the market today to offer weekly data updates via a user-friendly, web-based interface with the most granular data available. 

Connect with us today to learn how you can become a participant!

Pricing Manager: If I make a pricing change, how can I measure segments of price elasticity?

Key Insight Gained:

Lender was able to measure the immediate impact of their recent pricing change in late-February, showing the contraction in average booked rate to peers, relative to their correlated market share growth over that same time frame.  This would indicate their market shows strong signs of price elasticity, while providing further validation of the promotion’s success with the exchange of margin contraction for additional marketshare.

Segment Risk Manager: What is the market debt-to-income buy box and how does it compare to mine?

Key Insight Gained:

Lender was able to measure their debt-to-income risk exposure and compare to their in-footprint peer’s distribution.  Through lender sourced, timely market insights, this lender was able to make two key conclusions.  First, the lender was able to find pockets of volume that their peers had materially higher distribution in, and determine the total addressable market to right-size the market opportunity for expanded credit growth.  Additionally, the lender was able to understand their risk distribution, relative to peer distribution, to ensure they were not over-indexed in specific debt-to-income segments, causing adverse selection within their origination strategy. 

30+ Years
Industry-Specific
Knowledge And Data
42
Of The Top 50 Lenders In
The US Participate

What Our Clients Are Saying

I love all of it. Sometimes we go in blind when we make recommendations. Now those recommendations would be much more powerful.

Large West Coast Credit Union

Given the last few months [market conditions], you guys are more important than you have ever been. I didn’t have to pay close attention to margins before… now I do.

Existing Benchmarking IMB Client

VP Lending

My team leverages the various market analytics platforms that Curinos offers when calibrating our pricing to ensure we’re maintaining a competitive edge in our key markets. When it comes to competitive benchmarking and overall market analytics in Real Estate lending, the solutions offered by Curinos are second to none!

Super Regional Bank

Our Insights

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November 8, 2023

Mortgage Hot Topics by Curinos

According to Curinos, October 2023 funded mortgage volume decreased 19% YoY and 5% MoM.
READ TIME: 1 MIN

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November 1, 2023

Curinos Perspective: Fed Holds Rates Steady Again, Home-Lending Pressures Continue

As expected, the FOMC has held the Federal Funds rate flat in a target range of 5.25% to 5.50%. But even as the Fed continues its pause, rates for home lending and deposits are likely to remain elevated. That’s because key inflation and macroeconomic indicators take time to play out, and a continuing tidal wave of low-interest renewing CDs will intensify the competition for rate shoppers.
READ TIME: 6 MINS

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September 21, 2023

Curinos Review Fall 2023

Welcome to the Fall 2023 issue of the Curinos Review. No one needs to be reminded that profits at many traditional banks are under intense pressure. But while unfavorable lending performance drove many past downturns, the current challenges are emanating from the liability side of the balance sheet.
READ TIME: 3 MINS

Want to go further?

Contact us to learn more about how Curinos can help you navigate today and prepare for tomorrow.