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Volume 2014 - Number 37

October 2, 2014

Downloads Available: Top HEL Originators - 6M14

Downloads Available: Home-Equity Lending Activity - 1999-2Q14

Downloads Available: Top Depository Institutions in Total HEL Business - 2Q14

Home-Equity Lending Gained Speed in Second Quarter, But Lenders Have Difficult Time Building Portfolios

Mortgage lenders originated an estimated $17 billion in new home-equity loans during the second quarter of 2014, a 30.8 percent increase from the previous period, according to a new market analysis and ranking by Inside Mortgage Finance. But the volume of outstanding home-equity lines of credit and closed-end second mortgages held in portfolio by depository institutions – the biggest players in the HEL market – continued to dwindle. Banks, thrifts and credit unions reported a total of $540.4 billion of HELOCs on their books at the end of June, down 0.9 percent from March, along with a 1.5 percent drop in closed-end seconds. It continued...[Includes three data charts]

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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.