Home Equity Lending
ICE offers end-to-end technology, data and analytic solutions that allow lenders to originate and service home equity loans and lines of credit on the same systems as first mortgage loans.
Grow your home equity lending business
ICE’s end-to-end technology platform helps lenders grow their home equity business through a single, connected workflow that integrates data and intelligent automation to capitalize on opportunities, mitigate risk and keep customers engaged.
Customer engagement
ICE helps lenders build lasting relationships through personalized, timely communication and easy access to loan and home information.
Simplified application process
ICE’s end-to-end technology streamlines the home equity application experience with pre-filled data and intuitive digital workflows.
Efficient loan processing
Encompass® automates loan origination and keeps borrowers informed with real-time updates and document access.
Seamless loan servicing
MSP® services home equity loans and first liens on a single platform helping reduce risk, operational redundancies and overall operating costs.
ICE’s end-to-end home equity lending solutions
ICE delivers integrated home equity solutions that streamline the lending process, helping lenders recapture more business, deepen customer relationships and reduce operational complexity.
Streamline the home equity process for borrowers
Homeowners can explore, apply and close on home equity and refinance loans directly in ICE Servicing Digital, a customer-centric digital solution for accessing loan and home-related information. Integrated with MSP, ICE’s loan servicing system, Servicing Digital helps lenders establish continuous customer engagement by delivering personalized messages about home equity options. The solutions help support a modern, customer-friendly experience that promotes lifelong borrower retention and grows home equity lending opportunities.
Uncover new home equity leads with actionable insights
Help your customers better understand their tappable home equity and unveil business opportunities with ICE Business Intelligence (BI). Servicers and lenders benefit from pre-configured, advanced analytic suites, built specifically for home equity use cases. These suites integrate Encompass loan origination data and MSP loan portfolio data with additional premium data sets to provide views of production, sales and compliance activities and automatically identify leads that are potential candidates for home equity loans and lines of credit.
Data-driven insights to identify home equity opportunities within your portfolio
Help your customers better understand their equity position with a comprehensive self-service home valuation tool, Validate. Validate expedites the property valuation process by leveraging ICE AVMs, so your customers can realize the value of their home and help drive your home equity business. ICE AVMs are an effective way to reduce origination expenses and streamline home equity lending.
Home equity lending made easy
When leveraging Encompass for home equity lending, you’ll feel confident that you have all the tools your business needs to scale with demand, process loans faster and keep borrowers happy every step of the way. Encompass streamlines home equity lending with fast, automated workflows that reduce processing time from weeks to days. Its unified platform enhances borrower’s experience through instant decisioning, digital applications and flexible signing options.
Explore more resources
ICE in the news
ICE Mortgage Technology Allows Homeowners to Apply for Home Equity and Refinance Loans from the MSP Web and Mobile Consumer Interface
New loan opportunities uncovered: ICE’s innovative approach to integrated borrower engagement
Latest industry topics
From fragmented to full-service: How servicers can retain more customers with a unified home equity lending experience
Strategies to drive home equity lending
Explore ICE’s interactive article, How to Grow a Successful Home Equity Lending Business, a strategic guide for lenders looking to capitalize on today’s expanding market. This article highlights how lenders can uncover home equity opportunities using current borrower data, streamline origination processes, enhance servicing workflows, and apply advanced analytics to monitor portfolio risk effectively.
Learn more about the latest strategies and tools to drive home equity business growth
Featured Home Equity Lending products
For many lenders, home equity loans are serviced on a consumer lending application and first mortgages are serviced on a separate, mortgage-specific system. However, these consumer lending systems are not usually designed to handle the complexities of the compliance and reporting requirements for real estate-backed loans. Plus, managing multiple applications can be inefficient and increase IT costs.
Encompass®
Eliminate the complexities of lending and investing at scale with the only true end-to-end digital mortgage solution that allows you to acquire more customers and originate, sell, and purchase loans faster - all from a single system of record.
MSP® Mortgage Servicing Software
Best-in-class loan servicing system allowing servicers of all sizes the ability to tackle today’s most pressing operational challenges.
Servicing Digital
Provide your borrowers with fast, simple and seamless access to loan and home-related information – anytime, anywhere.
Business Intelligence for servicing
Delivers powerful insights that support servicers in strategic decision-making, automate processes across the servicing life cycle, mitigate risk and increase customer retention.
Automated Valuation Models
Our AVMs combine one of the largest, most expansive data sets in the industry with advanced modeling techniques, rigorous testing and high-performance technology that’s spans the entire real estate and mortgage continuum.
All Home Equity Lending products
By consolidating first liens and home equity, ICE’s integrated solutions reduce the need to update disparate platforms to support evolving regulatory requirements and mitigate risk. And with your customers’ loans together in a single lending ecosystem, our data solutions are able to provide greater visibility into home equity and refinance opportunities, helping you retain more customers.
Home Equity Originations
ICE® Data & Document Automation
Use data and document automation to accelerate loan operations. Automates traditionally manual activities associated with the loan review process. Creates a consistent, uniformed process around capturing documents and data to improve capacity and drive industry innovation.
Encompass®
Eliminate the complexities of lending and investing at scale with the only true end-to-end digital mortgage solution that allows you to acquire more customers and originate, sell, and purchase loans faster - all from a single system of record.
Encompass Consumer Connect®
Easily complete an online mortgage application, instantly engage with their loan officer, and securely upload and eSign documents.
Encompass® eClose
ICE Mortgage Technology® is changing how mortgages are closed. Experience document ordering, borrower engagement, settlement agent collaboration, eSignatures, and beyond.
Expedite® Close
eClosing software solution supporting all closing types offering flexibility and scalability.
ICE PPE (Product and Pricing Engine)
Enhanced, industry-leading pricing engine, seamlessly integrated into Encompass, that improves the loan officer experience and allows lenders to quickly access rate sheets, keep data accurate and easily stay on top of changes that affect loan scenarios.
ICE® Mortgage Analyzers
Eliminate stare and compare activities. Using intelligent document recognition and data extraction technologies to perform document review and assignment behind-the-scenes; Mortgage Analyzers interrogate the extracted data from documents against the information in your loan origination system and presents the exceptions for review.
Simplifile®
Electronically sign, notarize documents and send your documents for recording at county offices.
ICE Surefire
ICE Surefire helps mortgage professionals win new business, drive repeat business and earn the right to referral business.
Velocify®
Enable your team to more efficiently drive sales, communicate with borrowers, and focus on revenue-generating activities with the industry’s leading sales automation solution.
Home Equity Servicing
MSP® Mortgage Servicing System
Best-in-class loan servicing software allowing servicers of all sizes the ability to tackle today’s most pressing operational challenges.
Servicing APIs
Seamless connections between programs and systems to help users perform business processes with greater ease and efficiency.
Servicing Digital
Provide your borrowers with fast, simple and seamless access to loan and home-related information – anytime, anywhere.
Reporting, Data and Analytics
Automated Valuation Models
Our AVMs combine one of the largest, most expansive data sets in the industry with advanced modeling techniques, rigorous testing and high-performance technology that’s spans the entire real estate and mortgage continuum.
Business Intelligence
Easy-to-use, next generation solutions that help real estate professionals, MLSs and title companies generate more business, increase productivity, strengthen relationships and deliver a competitive edge in today’s market.
McDash®
Market-leading repository of servicer-contributed, loan-level data is the deepest and broadest in the industry.
Property Tax Assessment Data
County assessors’ data that includes assessed market and tax values, tax exemptions, legal description and more.
Property Tax Solutions
Suite of tax solutions to help reduce the costs and challenges associated with procuring property tax data.
Public Property Records Data
Comprehensive, nationwide public-records data from over 3,100 county recorder offices across the U.S.
Rapid Analytics Platform
Cloud-based software solution for users to access diverse data assets and run advanced analytics on a single, turnkey platform.
Validate
Innovative mobile app to upload strategic property photos and verify property data to streamline the home equity lending process.