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      White Paper

      Unlocking the Equity Era: Why 2025 is the Year of the HELOC

      Published July 1, 2025

      Mortgage Advanced Analytics & Modeling Data Sources Marketing
      Unlocking the Equity Era: Why 2025 is the Year of the HELOC

      This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.

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      • $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
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      • Digital Advantage: Compete with fintechs by streamlining approvals and closings.

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      A strong credit risk decisioning strategy is crucial for any financial institution looking to stand out from the competition, book more high performing loans, and drive revenue. Lenders can achieve this by implementing next-gen AI technology to: 

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