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
Data Automation Strategies for Loan Origination and Servicing
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...
Credit Karma Deal Positions Intuit to Corner Market on Consumer Data
Intuit’s planned $7.1 billion acquisition of Credit Karma has the potential to make it the dominant provider of consumer leads to digital financial institutions. But growing concerns about consumer data privacy and Intuit’s track record shepherd...
Trust in Lending
This report leverages a new segmentation of Javelin’s Trust, Innovation, and Partnership (TIP) model designed to assess perceptions between borrowers of mortgage, auto, and other loans and consumers without loans. It explores the implications of...
Access to Credit Scores Empowers Consumers, Strengthens the Lending Ecosystem
This original report, sponsored by TransUnion, examines the role that consumer access to credit scores and credit file data plays in the promotion of financial inclusion, responsible borrowing habits, and more transparent and accurate l...