Housing Market & Mortgage Credit:

Powerful Questions to Unlock Growth

These powerful questions are valuable for homebuyers, real estate developers, and mortgage bankers as they provide insights into detailed supply and demand dynamics across the country.

Start Reading

Housing Market & Mortgage Credit:

Powerful Questions to Unlock Growth

These powerful questions are valuable for homebuyers, real estate developers, and mortgage bankers as they provide insights into detailed supply and demand dynamics across the country.

Start Reading

Introduction

The questions presented below can help stakeholders make data-driven decisions, minimize risk, improve competitiveness, and enhance overall business success while promoting a more inclusive and fair housing market. They address many key topics such as mortgage pipeline demographics, marketing and community engagement, talent strategies, approval processes, interest rates, appraisal values, and loan defaults.
By examining and comparing these factors to community averages and peer markets, industry professionals can identify untapped market opportunities, implement targeted initiatives, and optimize their people, processes, and technology.

Mortgage & Home Buyer Pipeline

Me and the Community:

How does my current pipeline of applications compare to the demographics of the communities where I operate?

Am I tapping the full market opportunity that exists in the region?

Marketing & Community Engagement:

What initiatives might I pursue to attract an untapped demographic from a marketing perspective?

Talent Strategies & Workforce Development:

Are there actions I can take to align my talent who’s engaging with customers to better reflect the market and ultimately realize stronger success with loan originations to increase the borrower pool?

Approval Process

Average Rates by Demographic:

How do my accept/reject rates compare to the averages in my community and other peer markets by demographic group (e.g., gender, race/ethnicity, age, veterans/disabled status)?

Risk Profiles & Analysis:

Is there a meaningful difference in rates by demographic within the same cohort from an income, education and property value standpoint?

Business Process Levers:

Are there changes I can make in my people, processes, and/or technology to address where decisions are being made that don’t serve our business, customers, or the community more broadly?

Interest Rates

Average Rates by Demographic:

How does my interest rate pricing compare to the averages in my community and other peer markets by demographic group (e.g., gender, race/ethnicity, age, veterans/disabled status)?

Differential Pricing:

Is there a meaningful difference in rates by demographic within the same risk cohort from an income, education and property value standpoint?

Business Process Levers:

Are there changes I can make in my people, processes, and/or technology to address where decisions are being made that lead to anomalous outcomes for my business that might be imposing risk and compromising our competitiveness and business success over time?

Appraisal Rates

Property Values vs. Transaction Values:

How does the difference in the transaction vs. property values for my mortgage portfolio compare to the averages in my community and other peer markets?

Appraisal Bias:

Is there a meaningful difference in the property:transaction value ratio for the mortgages in my portfolio across different demographic groups within the same risk cohort from an income, education and location standpoint?

Are there meaningful differences across 3rd party appraisers that are used to value properties in my portfolio?

Business Process Levers:

Are there changes I can make in my people (including employees and 3rd party appraisers), business processes, and/or technology to address anomalous outcomes that might be imposing risk and compromising our business success over time?

Loan Defaults

Rates Across Borrowers:

How do my default rates look across demographic groups and compared to the averages in my community?

Are default rates higher with particular groups that put them more at risk and present an opportunity to improve?

Borrower Engagement:

Do I have an opportunity to engage my current customers in different ways throughout the lifecycle to improve default rates?

Do I have an opportunity to target specific improvements in particular segments?

Business Process Levers:

Are there changes I can make in my people (including employees and 3rd party appraisers), business processes, and/or technology to address anomalous outcomes that might be imposing risk and compromising our business success over time?

Would my organization benefit from stronger demographic alignment between loan officers and borrowers?

An AI-powered stakeholder intelligence platform, Equity Quotient provides leaders with actionable insights to automate compliance reporting, proactively manage risk, and achieve sustainable growth.

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