Mortgage Portfolios and Servicing Rights

Home-equity lending

Home-Equity Lending Activity

1999-2Q17 Columns include HEL Outstanding, HEL originations, UPB on Balance Sheet for HELOC and CES; HELOC Commit.; Total HEL Business for Banks, Thrifts, and Credit Unions, and Non-Accrual rates for HELOC and CES.

1999-2Q17 data include yearly figures and 1Q16-2Q17 include quarterly figures.

1999-4Q14 Columns include UPB on Balance Sheet for HELOC and CES; HELOC Commit.; Total HEL Business for Banks, Thrifts, and Credit Unions, and Non-Accrual rates for HELOC and CES.

1999-4Q14 data include yearly figures and 1Q10-4Q14 include quarterly figures.

1999-2Q17 Data

1999-4Q14 Data

Top Depository Institutions in Total HEL Business

Chart listing top banks, thrifts and credit unions by volume of home equity lending business. Includes breakouts for outstanding home equity lines of credit (HELOCs), closed-end seconds in portfolio, and unused HELOC commitments. Also includes market share and quarter-to-quarter change.

2Q17 Data

1Q17 Data

4Q16 Data

3Q16 Data

2Q16 Data

1Q16 Data

4Q15 Data

3Q15 Data

2Q15 Data

1Q15 Data

4Q14 Data

3Q14 Data

2Q14 Data

1Q14 Data

4Q13 Data

2011 Data

2010 Data

2009 Data

2008 Data

2007 Data

2006 Data

2005 Data

Poll

With originations expected to drop in 2018, will your shop turn to non-QM/non-prime mortgage products as a way to bolster volumes?

Yes, definitely. We’re planning a launch.

33%

No. It’s still difficult compliance/regulatory-wise.

20%

Maybe. It’s under consideration.

33%

Not now. But things could change as 2018 progresses.

13%