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

Online Auto Lending Opening Doors for Banks

This Javelin Strategy & Research report looks at the state of digital auto sales today. The trend of car buyers seeking a fully digital experience, from shopping to acquiring a loan to completing the transaction, has only accelerated amid the CO...

A Digital Playbook for Building Stronger Borrowers

The pandemic spurred a surge in credit monitoring. The good news for financial institutions is that consumers are more likely to track their scores through their banks and credit unions than through the many third-party apps and other sources. O...

What’s Next for Digital and Remote Loan Closings?

  • Javelin Report
  • Date: November 30, 2021
  • Research Topics(s): Digital Lending
Roughly 20 years after the advent of eNotes in the mortgage industry, fully paperless loans still account for only a small fraction of overall volume. The fact is, digital closings offer many advantages over traditional in-person, on-paper closi...

2022 Digital Lending Trends & Predictions

  • Javelin Report
  • Date: November 15, 2021
  • Research Topics(s): Digital Lending
After spending the pandemic years shoring up processes and capabilities to keep business moving, lenders can now pivot toward greater efficiency and borrower insight and allow for finding a place among the many upstarts in the marketplace. Nimbl...

Digital Lending Maturity Path

  • Javelin Report
  • Date: October 20, 2021
  • Research Topics(s): Digital Lending
Big-ticket loans, such as those for cars and houses, have traditionally involved a lot of costly and time-consuming front-end work by financial institution staffers on behalf of prospective borrowers, followed by laborious underwriting processes...

Digital Mortgage & eNote Test Drive

  • Advisory Webinar: Client Login Required
  • Date: October, 2021
  • Research Topics(s): Digital Lending
Join Austin Kilgore, Director of Digital Lending at Javelin Strategy & Research for an in-depth discussion about the key findings from one such “Test Drive” – a chronicle of how a complete loan process played out.

Auto Lenders to Face Challenges in Shift to Build-to-Order Car Buying

Third-party auto lenders must accelerate their adoption of digital touchpoints to remain relevant with consumers and manufacturers migrating toward a build-to-order car buying experience. This market shift makes it paramount for lenders to offer...

Digital Closing and eNote Test Drive

  • Javelin Report
  • Date: September 21, 2021
  • Research Topics(s): Digital Lending
The era of the traditional paper-intensive mortgage closing is slowly ending; the victim of advancing technology and a pandemic that has prompted lenders and borrowers to seek safer, remote ways of doing business. After resources were poured int...

Digital Mortgage Test Drive

Digital mortgage point of sale technology offers borrowers a comprehensive self-service experience when applying for a loan. Whether developed internally or sourced from one of more than a dozen specialty vendors, these platforms can be deployed...

Dual-AUS Submissions Offer Mortgage Lenders New Digital Efficiency Gains

As the mortgage industry transitions to a purchase market, lenders have a unique opportunity to reimagine the role of automated underwriting systems in the borrower qualification and product eligibility process.

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