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Maren Colon

Checking the Pulse of the Home Equity Market: A Midyear Update



Shaun A. Richardson – Senior Vice President – ICON 


Rising consumer confidence, record U.S. household net worth, continued home price appreciation with tappable equity at a 10-year high, and the expectation of rising rates all line up for a strong Home Equity market. However, through the first half of 2017, on a national level, consumer demand for new Home Equity lines and loans has been flat while new originations have increased only slightly. At the same time, portfolio balances have continued to decline.  All of this has caused many Home Equity lenders to create more holistic and integrated strategies throughout the entire lifecycle of an account.

In this midyear market update, ICON will provide valuable industry insights based on near real time origination and portfolio market data along with feedback from ongoing engagements with clients as they apply these insights to their Home Equity strategies.  The discussion will focus on the origination behavior, product and geographic performance, operational trends, and portfolio performance of Home Equity lines and loans.


  1. Originations Performance YTD – consumer demand, booked volume, risk mix, and operations
  2. Portfolio Balance Behavior – Runoff trends, large paydown/attrition analysis, recent vintage performance, impact of promotional rates on balances
  3. A Balance Positive Home Equity – an update to the model presented at CBA Live which analyzes when Home Equity balances start to grow again

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Shaun Richardson

Senior Vice President, ICON Advisory Group, Ltd.

Shaun Richardson is the Senior Vice President at ICON, responsible for all analytical offerings across mortgage and consumer lending.  In this role, he works closely with clients to ensure their success consuming ICON’s rich set of insights built upon competitive pricing, originations transactions, and portfolio account data.  Prior to joining ICON in 2005, Shaun spent 10 years consulting with Fortune 500 companies focused on business strategy and analytics.  Shaun has an M.S. degree in Information Systems and Quantitative Sciences from Texas Tech University and is also the proud father of two incredible daughters.

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