The state of home equity: A strategic indicator for risk, growth, and performance in today’s mortgage market

Home equity has re-emerged as one of the most active and strategically important segments of today’s mortgage market — serving as both a growth channel and a signal of evolving risk. Its impact extends beyond second liens, influencing borrower behavior, valuation strategy, and operational efficiency across first mortgage portfolios as well.

In this data-driven session, industry experts and market analysts will explore how home equity trends are shaping lending decisions across the industry. We’ll look at what the latest data reveals about borrower behavior, portfolio risk, and the operational strategies lenders are adopting in response.

Designed for lenders, brokers, risk leaders, and valuation professionals, this session focuses on practical insights and actionable strategies — grounded in real market dynamics rather than sales pitches.

Why you should attend:

Attend this session to gain a clearer understanding of how today’s surge in home equity is shaping borrower behavior, valuation decisions, and risk across both home equity and first mortgage portfolios. You’ll walk away with data-backed insights and practical strategies that can help your organization better manage risk, improve operational efficiency, and identify growth opportunities in a rapidly evolving lending landscape.

What you will learn:

  • How equity utilization patterns reflect broader mortgage market dynamics
  • What today’s valuation workflows reveal about cost, speed, and risk
  • Where lenders are balancing automation and human expertise
  • How operational efficiency in equity lending can inform first mortgage strategy

Sponsored by: Accurate Group, LLC

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Meet the Panel:

Steve Baczkowski1

Steve Baczkowski, COO,
Accurate Group

 

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Josh Livingston
CRO,
Accurate Group

KF Headshot

Ken Flaherty
Director, Retail Lending,
Curinos

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