Digital Lending Research

Optimize the stages of consumer lending with digital technology

Technology is reshaping the expectations and experiences of borrowers. Customers are being influenced by an ever-broadening set of digital interactions. As a result, expectations as to the quality and immediacy of the borrowing experience are rising. Javelin Strategy & Research provides strategic insights to clients who want to exceed the expectations of borrowers, helping them deliver a world-class digital lending experience.

How Alternative Data Is Moving Financial Institutions Beyond Credit Scores

Impact Note
Date: November 25, 2020
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
Traditional credit scores have increasingly become part of a crowded field of data sources and automated tools that financial institutions can access to evaluate consumers’ creditworthiness and help customers better manage their finances. New...

Cross-Selling Opportunities in Digital Lending

Javelin Report
Date: November 18, 2020
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
Data privacy must be a priority for financial services in 2021. Consumer trust will be a business differentiator for U.S. institutions in the coming year, and maintaining and building that trust will set financial institutions apart from fintech...

Data Automation Strategies for Loan Origination and Servicing

Advisory Webinar: Client Login Required
Date: September 30, 2020
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
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...

Automating Third-Party Data Validations

Javelin Report
Date: September 29, 2020
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
This report will evaluate new sources of this data, the consumer privacy and security concerns involved in their use, and examine the most efficient strategies for incorporating these data sources into consumer lending origination processes.

Key Takeaways from the 2020 Digital Mortgage Conference

Impact Note
Date: September 24, 2020
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
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

Javelin Report
Date: August 18, 2020
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
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

Impact Note
Date: June 8, 2020
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
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...

Why GSE Data Standards Matter for Digital Mortgage Innovation

Javelin Report
Date: May 18, 2020
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
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...

Coronavirus Refi Boom Exposes Gaps in Mortgage Automation

Impact Note
Date: March 18, 2020
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
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 coronavirus...
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 shepherding...

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