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Volume 2014 - Number 20

September 26, 2014

Downloads Available: Top Banks & Thrifts in Total HEL Business - 2Q14

HEL Performance Steady But HELOCs a Concern

The performance of home-equity loans held by banks and thrifts remains strong but concerns have been raised about home-equity lines of credit originated before the financial crisis. Banks and thrifts reported $998.63 billion in total home-equity business at the end of the second quarter of 2014, including retained HELOCs and closed-end seconds, and unused HELOC commitments, according to the Inside Mortgage Finance Bank Mortgage Database. Total HEL business declined ... [Includes one data chart]

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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.


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


Maybe. It’s under consideration.


Not now. But things could change as 2018 progresses.