The Mortgage Leapfrog: Reclaiming Home Equity

As traditional mortgage margins thin and regulatory capital requirements tighten, banks are finding themselves squeezed between antiquated technology and aggressive private credit competitors. This session explores how forward-thinking institutions are “leapfrogging” legacy infrastructure to reclaim their position as the primary lender through high-velocity home equity products. Join industry leaders for a candid discussion on shifting from “manual” to “modern” rails to drive profitability and customer retention in the 2026 credit cycle.

What attendees will learn about:

• Exclusive market performance insights across both First Mortgage and Home Equity originations, powered by Curinos proprietary market intelligence
• How forward-thinking lenders are bypassing legacy tech to reach customers faster, boost customer satisfaction, and win back market share with a robust suite of lending solutions
• Perspectives from Home Equity industry leaders on the current and future state of the Real Estate lending market
• How shifting focus from traditional first-lien mortgages to modernized home equity products can reduce risk-weighted assets and provide significant capital relief while keeping high-quality loans on the balance sheet.
• Strategies for positioning bank-funded HELOCs as the superior, more stable alternative to the private lending funds that have dominated the last three years.

Speakers:

• Anthony Stratis | VP Lending Partnerships | Figure
• Ken Flaherty | Director, Retail Lending | Curinos
• Tim Schmidt | SVP Home Lending | U.S. Bank
• Chris Runte | Director of Sales & Operations | Citizens Bank