Home Equity Lending

ATTOM released its second quarter 2026 U.S. Home Equity & Underwater Report, which shows that 41.1 percent of mortgaged residential properties in the country were equity-rich, meaning the combined estimated amount of loan balances secured by those properties was no more than half of their estimated market value.

Intercontinental Exchange, Inc. (NYSE: ICE) released its August 2026 Mortgage Monitor Report, which found that mortgage holder equity reached $18 trillion for the first time on record while annual home price growth reached a 14-month high in July.

For decades, the American Dream was defined by geographic and social mobility. A home was a stepping stone, an asset to be bought, lived in for a few years, and then traded up as a family grew or a career advanced. But over the last four years, a violent macroeconomic shift has quietly dismantled this paradigm. The American home is no longer a temporary stepping stone; it has been transformed into a financial fortress, and the ramifications are reshaping the landscape of our national economy.

Gershman Mortgage announced its 5-Day HELOC, a standalone home equity line of credit built for homeowners who want to put their equity to work fast, without giving up the mortgage rate they already have.

Deephaven Mortgage LLC, a non-QM lender, has enhanced its Equity Advantage HELOC to expand its wholesale and correspondent partners’ sales advantage in the equity products market.

FirstClose, a provider of data and workflow solutions for mortgage and home equity lenders nationwide, announced that Kitsap Credit Union has selected FirstClose to support its home equity lending operations with a bundled, end-to-end digital tool.

Lake Michigan Credit Union (LMCU) has implemented FirstClose’s Equity Order Management to automate settlement workflows for its home equity lending operations.

NotaryCam®, a Stewart-owned company and a provider of remote online notarization (RON) and identity verification/authentication technology for real estate and legal transactions, announced that its eClose360® platform is fully compatible with the Mortgage Industry Standards Maintenance Organization’s (MISMO) newly published SMART Doc® V3 standard for electronic home equity lines of credit (eHELOCs).

American Senior Lending, a national home equity solutions leader, has launched EquitySelect –  an innovative, nonrecourse, first lien home equity loan designed to advance the financial flexibility of Americans entering or in retirement.

Total originations of open-ended Home Equity Lines of Credit (HELOCs) and closed-end home equity loans increased in 2024 by 7.2 percent from the previous year when comparing originators that reported in both years. Total HELOC and home equity loan debt outstanding grew 10.3 percent. This is according to the Mortgage Bankers Association’s (MBA) 2025 Home Equity Lending Study.