Challenging market conditions present two choices: maintain the status quo or proactively invest to position the business for long-term success. Recent data shows slowing home price growth and declines in many large markets, creating a window to reassess operations. Conduct comprehensive reviews of origination, servicing, home equity loans and HELOC workflows to identify bottlenecks, manual tasks and error-prone steps. Evaluate the customer experience to ensure systems support smooth, scalable interactions. Develop an operational plan that enables volume fluctuations without large staffing changes. Strong customer relationships now improve retention and readiness to capture borrowers when rates decline.
Today's market represents one of those pivotal moments, with recent data indicating slower home price growth and a potential cooling of the housing sector. ICE's July 2025 Mortgage Monitor highlighted a 1.3% annual home price growth slowdown and price declines in 30% of the largest markets, signaling an opportunity to re-evaluate how you can prepare for your next wave of growth.
Efficiency is not just a buzzword; it is critical for managing increased volume without overburdening your team. Start by auditing your processes and mapping out each step of your origination and servicing workflows to identify bottlenecks, manual tasks and error-prone processes. Next, evaluate the customer experience so your systems can support interactions that are both smooth for customers and easily expandable as business grows.
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