Search
Close this search box.
Search
Close this search box.

Home Equity Is Positioned For A Rebound

Curinos’ National Home Equity Forecast, the industry’s first, suggests that demand for home-equity products is poised for a dramatic upturn in the second half of 2024, driven in large measure by expectations of lower rates and growth in home ownership.  

In light of the expected rebound, now might be a good time for lenders to reconsider their stance on credit risk because the threat of higher collateral risk seems to have diminished. Market experts are projecting sustained growth of 1% to 6% in home values nationally, which may mitigate whatever future collateral risk remains on the books.  

And while higher loan-to-value lending is certainly not the key to material growth this year, making credit more accessible to potential borrowers can play a vital role in improving the sentiment of potential home buyers. 

For more home-equity insights, see our article “More Mortgage Malaise, Higher Hopes for Home Equity”  in the latest Curinos Review. 

Curinos’ National Home Equity Forecast Modeling

Our research suggests that home-equity lending is positioned to bounce back in the second half of 2024, driven by expectations of lower rates​

Source: Curinos Home Equity & Mortgage Origination dataHome Equity & Mortgage Origination data ; Curinos data science modeling ​

June 6, 2024

AI’s Value Prop: A Cheaper Path To Customer Primacy

The various product lines at banks are in constant competition for customer attention. But uncoordinated messaging comes with a high cost: Curinos analysis shows that the typical FI leaves $70 per customer on the table because relationship nurturing is poorly orchestrated across channels.
READ TIME: 1 MIN

June 4, 2024

DAF Levels Are Down. What Can Be Done?

As commercial deposits shift away from DDA, the loss of deposit administration fees (DAF) is a key impact. DAF are the largest single charge in treasury management, totaling more than 15% of fees at most TM banks.
READ TIME: 1 MIN

May 30, 2024

Defining Personalization Is The First Step Toward Greater Adoption

There’s a lot of talk about personalization in banking these days and a lot less action. In Curinos’ new Personalization Benchmarking Study, most of the responding FIs say less than 25% of their marketing is personalized.
READ TIME: 1 MIN
  • Authors
    • Richard Martin

      View all posts Director, Home Lending
    • Ken Flaherty

      Joining Curinos in October 2021 as a Home Equity expert and industry advocate, Ken works alongside his lending partners, leveraging Curinos’ Home Equity data assets to interpret benchmark performance and strategic planning through his expert analysis. Before joining Curinos, Ken gained his Home Equity expertise through multiple roles in Credit & Income Underwriting, Portfolio Management, and Product & Pricing Manager roles, in which he also served as a practitioner of leveraging Curinos’ Lenders Benchmark data assets, helping build strategies across the line of business to achieve profitability hurdles and growth targets. Ken works closely with Curinos' consortium lenders, leveraging the Home Equity data assets to help them assess market opportunity, efficiency improvements, risk management and margin optimization. He also leverages lenders’ data in his consultative advisory engagements, developing and implementing home-equity strategic initiatives.

      View all posts Manager, Home Equity
  • Want to go further?

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

    Need to contact a specific team?

    Sales Inquiries:
    Sales@curinos.com

    Accounts Payable Inquiries:
    CurinosAP@curinos.com

    Media Inquiries:
    Curinos@cognitomedia.com

    Need to contact a specific team?

    Sales Inquiries:
    Sales@curinos.com

    Accounts Payable Inquiries:
    CurinosAP@curinos.com

    Media Inquiries:
    Curinos@cognitomedia.com

    Need to contact a specific team?

    Sales Inquiries:
    Sales@curinos.com

    Accounts Payable Inquiries:
    CurinosAP@curinos.com

    Media Inquiries:
    Curinos@cognitomedia.com

    Need to contact a specific team?

    Sales Inquiries:
    Sales@curinos.com

    Accounts Payable Inquiries:
    CurinosAP@curinos.com

    Media Inquiries:
    Curinos@cognitomedia.com

    Need to contact a specific team?

    Sales Inquiries:
    Sales@curinos.com

    Accounts Payable Inquiries:
    CurinosAP@curinos.com

    Media Inquiries:
    Curinos@cognitomedia.com

    Let's start a conversation...

    Maximize your small business
    lending performance.