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North America Consumer Home Equity Loan Survey - Highlights

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Infographic providing highlights from the 2016 North America Consumer Home Equity Loan Survey.

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North America Consumer Home Equity Loan Survey - Highlights

  1. 1. North America Consumer Home Equity Loan Survey Highlights
  2. 2. Copyright © 2016 Accenture All rights reserved. 2 Accenture’s survey of 6,000 consumers points to a re-emerging market for home equity lending. Home Equity – A Resurging Market 59% $4.5 trillion $7.6 trillion In total home equity value Untapped home equity lending About $19,000 Increase in equity available to the average borrower since last year $1 trillion Latest annual increase in total equity, at highest level since 2007 Value of Home Equity in the United States August 2015 estimate
  3. 3. Copyright © 2016 Accenture All rights reserved. 3 Educating Borrowers on Home Equity Loan Options Home Equity – Opportunities Only 54%of borrowers know they can use loan for non-home purposes 59% don’t know they can use online or mobile during the lending process 21% know about accessing the loan via credit card 41%know about using home equity loans to refinance debt
  4. 4. Copyright © 2016 Accenture All rights reserved. 4 Capturing Borrower Satisfaction Home Equity – Opportunities 93% Users of digital during loan origination who were highly satisfied 92% Borrowers who value doing independent online product research
  5. 5. Copyright © 2016 Accenture All rights reserved. 5 Emergence of Digital and Alternative Lenders in the Space is Increasing Competition Home Equity – Challenges June 2010 55.2% Market Share of Three Largest US Home Equity Lenders Steady loss of market share over the past five years Sept 2015 43.9% decline in outstandings on a YoY basis fallback for the latest quarter through 3Q15 The Big Three continue to see negative momentum -9% -3%
  6. 6. Copyright © 2016 Accenture All rights reserved. 6 Digital and Non-Bank Competition Growing – Banks Must Reposition to Compete Home Equity – Challenges Digital Competition 81% Borrowers who research Leverage online lenders, aggregators or peer-to-peer providers 41% 28% Students 18-24 year olds Young borrowers are most apt to apply with non-bank lenders Non-Bank Lenders
  7. 7. Copyright © 2016 Accenture All rights reserved. 7 Six Drivers to Stimulate a Provider’s Home Equity Business Home Equity – Next Steps Copyright © 2015 Accenture All rights reserved. These opportunities provide lenders the ability to scale and get more high quality customers in the funnel. 1 Integrate and optimize search engine marketing 2 Leverage data as a strategic asset 3 Excel at converting leads to loan applications 4 Introduce a customer centric fulfillment model 5 Automate the fulfillment process 6 Extend the digital ecosystem
  8. 8. Learn More www.accenture.com/HomeEquityLending Join the conversation @BankingInsights #HELoanSurvey