View quarterly updates and historical trends for US Home Equity Loan Debt. from United States. Source: Federal Reserve Bank of New York. Track economic da…

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Home Equity Lending Market Size 2025-2029

The home equity lending market size is forecast to increase by USD 48.16 billion, at a CAGR of 4.7% between 2024 and 2029.

The market is experiencing significant growth, fueled primarily by the massive increase in home prices and the resulting rise in residential properties with substantial equity. This trend presents a lucrative opportunity for lenders, as homeowners with substantial equity can borrow against their homes to fund various expenses, from home improvements to debt consolidation. However, this market also faces challenges. Lengthy procedures and complex regulatory requirements can hinder the growth of home equity lending, making it essential for lenders to streamline their processes and ensure compliance with evolving regulations.
Additionally, economic uncertainty and potential interest rate fluctuations may impact borrower demand, requiring lenders to adapt their strategies to remain competitive. To capitalize on market opportunities and navigate challenges effectively, lenders must focus on enhancing the borrower experience, leveraging technology to streamline processes, and maintaining a strong regulatory compliance framework.

What will be the Size of the Home Equity Lending Market during the forecast period?

Explore in-depth regional segment analysis with market size data - historical 2019-2023 and forecasts 2025-2029 - in the full report.
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The market continues to evolve, shaped by various economic and market dynamics. Fair lending practices remain a crucial aspect, with entities ensuring borrowers' creditworthiness through rigorous risk assessments. Economic conditions, employment history, and credit score are integral components of this evaluation. Mortgage insurance (PMIs) and mortgage-backed securities (MBS) are employed to mitigate risk in the event of default. Verification of income, property value, and consumer protection are also essential elements in the home equity lending process. Housing prices, Homeowners Insurance, and property value are assessed to determine the loan-to-value ratio (LTV) and interest rate risk. Prepayment penalties, closing costs, and loan term are factors that influence borrowers' financial planning and decision-making.

The regulatory environment plays a significant role in shaping market activities. Consumer confidence, financial literacy, and foreclosure prevention initiatives are key areas of focus. real estate market volatility and mortgage rates impact the demand for home equity loans, with cash-out refinancing and debt consolidation being popular applications. Amortization schedules, mortgage broker involvement, and escrow accounts are essential components of the loan origination process. Market volatility and housing market trends continue to unfold, requiring ongoing risk assessment and adaptation.

How is this Home Equity Lending Industry segmented?

The home equity lending industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD million' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments.

Source

  Mortgage and credit union
  Commercial banks
  Others


Distribution Channel

  Offline
  Online


Purpose

  Home Improvement
  Debt Consolidation
  Investment


Loan Type

  Fixed-Rate
  Variable-Rate


Geography

  North America

    US
    Mexico


  Europe

    France
    Germany
    Italy
    UK


  Middle East and Africa

    UAE


  APAC

    Australia
    China
    India
    Japan
    South Korea


  South America

    Brazil


  Rest of World (ROW)

By Source Insights

The mortgage and credit union segment is estimated to witness significant growth during the forecast period.

In the realm of home equity lending, mortgage and credit unions emerge as trusted partners for consumers. These financial institutions offer various services beyond home loans, including deposit management, checking and savings accounts, and credit and debit cards. By choosing a mortgage or credit union for home equity lending, consumers gain access to human advisors who can guide them through the intricacies of finance. Mortgage and credit unions provide competitive rates on home equity loans, making them an attractive option. Consumer protection is a priority, with fair lending practices and rigorous risk assessment ensuring creditworthiness. Economic conditions, employment history, and credit score are all taken into account during the loan origination process.

Home equity loans can be used for various purposes, such as home improvement projects, debt consolidation, or cash-out refinancing. Consumer confidence plays a role in loan origination, with interest rates influenced by market volatility and economic conditions. Fixed-rate and adjustable-rate loans are available, each with its advantag

View quarterly updates and historical trends for US Home Equity Loans Delinquent by 90 Days. from United States. Source: Federal Reserve Bank of New York.…

United States - Real Estate Loans: Residential Real Estate Loans: Revolving Home Equity Loans, All Commercial Banks was 5.40000 % Chg. at Annual Rate in July of 2025, according to the United States Federal Reserve. Historically, United States - Real Estate Loans: Residential Real Estate Loans: Revolving Home Equity Loans, All Commercial Banks reached a record high of 51.40000 in October of 1987 and a record low of -16.60000 in October of 2020. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Real Estate Loans: Residential Real Estate Loans: Revolving Home Equity Loans, All Commercial Banks - last updated from the United States Federal Reserve on December of 2025.

Graph and download economic data for Households; Owners' Equity in Real Estate, Level (OEHRENWBSHNO) from Q4 1945 to Q2 2025 about balance sheet, net worth, nonprofit organizations, equity, real estate, Net, households, and USA.

Loans: Contracting: Household: Rate: Home Equity: Amapá data was reported at 18.410 % pa in Jan 2025. This records an increase from the previous number of 16.710 % pa for Dec 2024. Loans: Contracting: Household: Rate: Home Equity: Amapá data is updated monthly, averaging 20.270 % pa from Apr 2014 (Median) to Jan 2025, with 77 observations. The data reached an all-time high of 28.650 % pa in Nov 2016 and a record low of 6.800 % pa in Nov 2022. Loans: Contracting: Household: Rate: Home Equity: Amapá data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB079: Loans: Contracting: Household: Rate: Home Equity. [COVID-19-IMPACT]

United States - Real Estate Loans: Residential Real Estate Loans: Revolving Home Equity Loans, All Commercial Banks was 7.10000 % Chg. at Annual Rate in September of 2025, according to the United States Federal Reserve. Historically, United States - Real Estate Loans: Residential Real Estate Loans: Revolving Home Equity Loans, All Commercial Banks reached a record high of 57.90000 in September of 1987 and a record low of -31.60000 in July of 1999. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Real Estate Loans: Residential Real Estate Loans: Revolving Home Equity Loans, All Commercial Banks - last updated from the United States Federal Reserve on November of 2025.

In the United States, interest rates for all mortgage types started to increase in 2021. This was due to the Federal Reserve introducing a series of hikes in the federal funds rate to contain the rising inflation. In the second quarter of 2025, the 30-year fixed rate dropped slightly, to **** percent. The rate remained below the peak of **** percent in the fourth quarter of 2023. Why have U.S. home sales decreased? Cheaper mortgages normally encourage consumers to buy homes, while higher borrowing costs have the opposite effect. As interest rates increased in 2022, the number of existing homes sold plummeted. Soaring house prices over the past 10 years have further affected housing affordability. Between 2014 and 2024, the median price of an existing single-family home risen by about ** percent. On the other hand, the median weekly earnings have risen much slower. Comparing mortgage terms and rates Between 2008 and 2024, the average rate on a 15-year fixed-rate mortgage in the United States stood between **** and **** percent. Over the same period, a 30-year mortgage term averaged a fixed-rate of between **** and **** percent. Rates on 15-year loan terms are lower to encourage a quicker repayment, which helps to improve a homeowner’s equity.

View quarterly updates and historical trends for US Commercial Banks Real Estate Loans: Revolving Home Equity Loans Annual Growth Rate. from United States…

United States - Real Estate Loans: Residential Real Estate Loans: Revolving Home Equity Loans, Large Domestically Chartered Commercial Banks was 2.10000 % Chg. at Annual Rate in July of 2025, according to the United States Federal Reserve. Historically, United States - Real Estate Loans: Residential Real Estate Loans: Revolving Home Equity Loans, Large Domestically Chartered Commercial Banks reached a record high of 43.90000 in January of 2004 and a record low of -19.30000 in October of 2020. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Real Estate Loans: Residential Real Estate Loans: Revolving Home Equity Loans, Large Domestically Chartered Commercial Banks - last updated from the United States Federal Reserve on November of 2025.

Australia Lending Rate: Personal Loans: Revolving Credit: Home Equity Loans data was reported at 6.198 % pa in Feb 2020. This stayed constant from the previous number of 6.198 % pa for Jan 2020. Australia Lending Rate: Personal Loans: Revolving Credit: Home Equity Loans data is updated monthly, averaging 7.220 % pa from Jan 1991 (Median) to Feb 2020, with 350 observations. The data reached an all-time high of 16.000 % pa in Apr 1991 and a record low of 5.606 % pa in Aug 2015. Australia Lending Rate: Personal Loans: Revolving Credit: Home Equity Loans data remains active status in CEIC and is reported by Reserve Bank of Australia. The data is categorized under Global Database’s Australia – Table AU.M004: Lending Rate.

Mexico Home Equity Lending Market size was valued at USD 30.88 Billion in 2024 and is projected to reach USD 33.3 Billion by 2032, growing at a CAGR of 5.4% from 2025 to 2032.

Mexico Home Equity Lending Market: Definition/ Overview

Home equity lending enables homeowners to borrow against the value of their property, offering access to funds through fixed-rate loans or home equity lines of credit (HELOCs). These loans use the home as collateral, making them a secured form of borrowing. Homeowners often utilize home equity loans for renovations, debt consolidation, or major financial needs. Lenders determine eligibility based on factors like credit history, income, and loan-to-value (LTV) ratio, ensuring borrowers meet the necessary financial criteria.

Market conditions, including interest rates, real estate trends, and regulatory policies, play a crucial role in shaping home equity lending.

The S&P/Experian second mortgage default index stood at **** as of May 2022, meaning that based on data from the most recent three months, the annualized share of default second mortgages and home equity loans was **** percent. This was higher than the first mortgage default rate for the same period. Although the index rose in 2022, it remained below the levels observed in December 2017, when it spiked at **** percent.

Price-To-Book-Ratio Time Series for City Holding Company. City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, it provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company was founded in 1957 and is headquartered in Charleston, West Virginia.

Loans: Contracting: Household: Rate: Home Equity: Rio de Janeiro data was reported at 20.040 % pa in Jan 2025. This records a decrease from the previous number of 20.240 % pa for Dec 2024. Loans: Contracting: Household: Rate: Home Equity: Rio de Janeiro data is updated monthly, averaging 18.090 % pa from Apr 2014 (Median) to Jan 2025, with 130 observations. The data reached an all-time high of 25.290 % pa in Dec 2015 and a record low of 11.870 % pa in Oct 2020. Loans: Contracting: Household: Rate: Home Equity: Rio de Janeiro data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB079: Loans: Contracting: Household: Rate: Home Equity. [COVID-19-IMPACT]

The US Home Mortgage Market Size Was Worth USD 180.91 Billion in 2023 and Is Expected To Reach USD 501.67 Billion by 2032, CAGR of 12.00%.

Loans: Contracting: Household: Rate: Home Equity: Espírito Santo data was reported at 19.270 % pa in Jan 2025. This records an increase from the previous number of 15.540 % pa for Dec 2024. Loans: Contracting: Household: Rate: Home Equity: Espírito Santo data is updated monthly, averaging 17.725 % pa from Apr 2014 (Median) to Jan 2025, with 130 observations. The data reached an all-time high of 24.740 % pa in Dec 2015 and a record low of 10.640 % pa in Jan 2021. Loans: Contracting: Household: Rate: Home Equity: Espírito Santo data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB079: Loans: Contracting: Household: Rate: Home Equity. [COVID-19-IMPACT]

Loans: Contracting: Household: Rate: Home Equity: Acre data was reported at 21.170 % pa in Jan 2025. This records an increase from the previous number of 19.910 % pa for Dec 2024. Loans: Contracting: Household: Rate: Home Equity: Acre data is updated monthly, averaging 18.185 % pa from Apr 2014 (Median) to Jan 2025, with 98 observations. The data reached an all-time high of 39.260 % pa in May 2016 and a record low of 9.220 % pa in Apr 2023. Loans: Contracting: Household: Rate: Home Equity: Acre data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB079: Loans: Contracting: Household: Rate: Home Equity. [COVID-19-IMPACT]

Stock Price Time Series for Home Bancorp Inc. Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services in Louisiana, Mississippi, and Texas. It offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts. The company also provides various loan products comprising one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and consumer loans. Further, it invests in securities, as well as offers credit cards and online banking services. The company was founded in 1908 and is headquartered in Lafayette, Louisiana.