"Homeowners are currently sitting on an unprecedented amount of equity, resulting in higher demand for home equity loans and lines of credit. And with interest rates expected to decline, refinancing and even new home purchases are on the rise. For lenders, retaining existing customers can be just as important as acquiring new ones. However, in today's competitive market, borrower loyalty isn't guaranteed. Success will depend on timing and consistent engagement across the customer life cycle."
"Instead of keeping servicing and originations as two separate processes, some mortgage technologies are proactively closing the gap. These technologies combine serving portfolio data with origination point of sale, sales enablement, and marketing automation to help lenders react to real-time opportunities from their existing borrowersand at the forefront of this revolutionary movement is ICE Mortgage Technology. By combining automation, analytics, and system convergence, ICE helps lenders reassess their recapture strategies and turn their existing customers into future revenue."
"The 2025 ICE Borrower Insights Survey reports that almost 25% of home mortgage borrowers are considering refinancing or borrowing home equity within the next year. However, ICE's Mortgage Monitor reports that less than 25% of home mortgage owners who did refinance during the first quarter of 2025 retained the same lender. This shows that just being listed in a lender's portfolio is no longer enough to guarantee that the borrower will return once the time comes for their next loan."
Homeowners hold unprecedented equity, driving demand for home equity loans, lines of credit, refinancing, and new purchases as interest rates are expected to decline. Lenders face a competitive market where retaining existing customers matters as much as acquiring new ones, but borrower loyalty is not guaranteed. Success requires timely actions and consistent engagement across the customer life cycle. Mortgage technologies that integrate servicing portfolio data with origination point‑of‑sale, sales enablement, and marketing automation enable real‑time responses to borrower opportunities. ICE Mortgage Technology combines automation, analytics, and system convergence to help lenders reassess recapture strategies and convert existing customers into future revenue.
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