Digital Lending Research

Leverage digital technology to bring better experiences to your customers

The future of digital lending is a continued march toward faster, less-intrusive customer experiences and more efficient back-office operations for lenders and servicers. Javelin’s careful, thorough research identifies existing pain points, coming opportunities, and useful insights as lenders plot their digital futures.

Digital Lending Research

Reports

How Alternative Data Is Moving Financial Institutions Beyond Credit Scores

Traditional credit scores have increasingly become part of a crowded field of data sources and automated tools that financial institutions can access to evaluate consumers’ creditworthiness and help customers better manage their finances. New at...

Cross-Selling Opportunities in Digital Lending

  • Javelin Report
  • Date: November 18, 2020
  • Research Topics(s): Digital Lending
Data privacy must be a priority for financial services in 2021. Consumer trust will be a business differentiator for U.S. institutions in the coming year, and maintaining and building that trust will set financial institutions apart from fintech...

Automating Third-Party Data Validations

  • Javelin Report
  • Date: September 29, 2020
  • Research Topics(s): Digital Lending
This report will evaluate new sources of this data, the consumer privacy and security concerns involved in their use, and examine the most efficient strategies for incorporating these data sources into consumer lending origination processes.

Data Automation Strategies for Loan Origination and Servicing

  • Advisory Webinar: Client Login Required
  • Date: October, 2020
  • Research Topics(s): Digital Lending
Join Austin Kilgore, Director of Digital Lending for an overview of new sources for underwriting data, the consumer privacy and security concerns that come with their use, and examine the most efficient strategies for maintaining productive rela...

Key Takeaways from the 2020 Digital Mortgage Conference

The digital mortgage revolution is rapidly producing more sophisticated tools and capabilities that now reach every sector of mortgage finance — the pace of which has accelerated due in large part to the COVID-19 pandemic. This note provides an ...

Servicing Portfolio Defense

This report examines the most effective strategies for tracking these behaviors and how servicers can best use these insights to retain borrowers and earn their customers’ business on their next loans.

How Servicers Should Prepare for the End of COVID-19 Forbearances

More than 4 million mortgage borrowers have obtained forbearances since the federal CARES Act was passed to provide economic relief due to the COVID-19 pandemic. At approximately 8.53% of total servicing volume, the rate of mortgages in forbeara...

Why GSE Data Standards Matter for Digital Mortgage Innovation

This report details the capabilities of the UMDP assets. It also outlines strategies for mortgage companies to use these resources to improve their digital mortgage capabilities and provide a more engaging borrower experience.

2020 Javelin Trends

Javelin analysts share insights on what to expect as the banking industry enters the 2020.

Coronavirus Refi Boom Exposes Gaps in Mortgage Automation

Mortgage rates hit new record lows this month. But with lenders seemingly unable to scale operations to keep up with the surprise surge in demand, loans with historically low rates have become about as scarce as toilet paper during the coronavir...

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