Insights

Rates and Economic Outlook
Spurring HELOC Growth

The demand for home equity lines of credit (HELOC) remained mostly lethargic throughout 2024, despite the positive economic tailwinds at its back such as increased homeowner equity and low unemployment.
READ TIME: 1 MIN

February 6, 2025

When it Comes to Commercial Balances,
Think Small

High commercial balances may be where the money is, but it’s not where banks should focus for low cost deposits, especially as rates fall.
READ TIME: 1 MIN

January 30, 2025

CD Money in Motion Continues to Decline

CDs contributed strongly to deposit growth in 2023 and 2024, but now both their total acquisition and new-to-bank money volumes have begun to slide.
READ TIME: 1 MIN

January 23, 2025

Fintechs Continue to Lead in New Banking Relationships – 3 Key Implications

Curinos’ recent U.S. Shopper Study evaluated the choices consumers make in establishing a new primary banking relationship.
READ TIME: 1 MIN

January 21, 2025

To Make Small Business Profitable, Look at the Entire Relationship

In small business lending, demand continues to exceed supply, especially on the lower end of the spectrum that measures a company’s gross annual revenue.
READ TIME: 1 MIN

January 14, 2025

Curinos Perspective: Fed Cuts Another 25 bp, but FOMC Members See Wide Range of Paths Ahead

The FOMC cut the target range for the Federal Fund rate by 25 basis points to a range of 4.25% to 4.5%.
READ TIME: 4 MINS

December 18, 2024

The Lock-in Effect Spells Opportunity for Home Equity Lending

For a solid majority of homeowners, refinancing a mortgage in today’s market would mean replacing a low-interest loan with a new one at a significantly higher rate.
READ TIME: 1 MIN

December 17, 2024

2024 Home Equity Summit – Key Takeaways

Curinos hosted a Home Equity Summit in Fort Worth, Tex., bringing together more than 30 attendees across banks, credit unions and fintech lenders to converse in roundtable discussions on the opportunities and challenges in the home equity market today. Here a few of the many key takeaways that emerged from the summit.
READ TIME: 2 MINS

December 13, 2024

Winning in a Falling Rate Environment: To Finish Strong, Know Your Starting Point

With two FOMC rate cuts now behind us, Curinos Commercial Deposit Analyzer data show that commercial banks have deployed more aggressive strategies in passing betas through than in the prior falling rate cycle beginning in 2019.
READ TIME: 1 MIN

December 12, 2024

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