Home Equity Lending: An Inflection Point?
Thursday, January 20 at 1:00 p.m. central time
Session Description
Mortgage has dominated the lending landscape over the past few years while Home Equity Lending has contracted. As interest rates move (somewhat) higher while homeowners realize unprecedented growth in home equity, the stars are aligning for a reemergence of home equity lending.
We will explore:
- Loan Origination Trends – HELOCs/HELoans and Centralized/Decentralized
- Home Equity Rates
- Operational Cycle Times – Application-to-Booking
- Credit Parameters – CLTV, Credit Score, DTI, Loan Amounts
- Servicing Portfolio Performance – Utilization, Delinquencies, Vintage Analysis
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Speakers
John Sayre
VP of Client Success
Curinos
John Sayre is Vice President of Client Success for Curinos. He has been a Secondary Marketing and Business Development professional in the mortgage industry for more than 30 years. Sayre has held senior positions at Guardian Mortgage, Caliber Home Loans and Nationstar. He also spent 15 years at Fannie Mae with his last position being Vice President of Single Family Business for the Western United States. Sayre holds a Bachelor’s Degree in economics from Claremont McKenna College.
Ken Flaherty
Senior Consumer Lending Market Analyst
Curinos
Ken Flaherty is a Senior Consumer Lending Market Analyst at Curinos. Before joining Curinos in October 2021, he managed Home Equity Credit and Income Underwriting at Huntington National Bank, where he was responsible for developing and improving the credit risk teams through cross-channel team building, pipeline management and developing processes to streamline the borrower’s origination experience. Prior to that, Flaherty was the Consumer and Home Equity Product and Pricing Manager, including origination and utilization campaigns. He earned a Bachelor’s Degree in business management at Salisbury University and an Accredited Mortgage Professional Banker (AMP) designation. Flaherty is a Future Leaders graduate with his continuing education work at the Mortgage Bankers Association (MBA).
Born out of the combination of two familiar industry powerhouses, Novantas and Informa’s FBX business, Curinos provides data, technologies and insights that enable financial institutions to make better, and more profitable data-driven decisions faster.
