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Home lending
EY helps clients drive change in the market to meet present and future consumer needs, minimize risk and manage costs through our experience and industry tested capabilities.
Dan Thain
EY Americas Consumer Lending Leader, Principal, Financial Services Business Consulting, Ernst & Young LLP
Maurice Berbel
Principal, Banking and Capital Markets, Business Transformation Consulting, Ernst & Young LLP
Joseph Owen
Senior Manager, Financial Services Consulting, Ernst & Young LLP
Home lending is entering its next chapter. Advances in technology, evolving borrower expectations and increasing operational complexity are reshaping how lenders originate, service and scale their businesses. Leading institutions are moving beyond purely volume‑driven models toward relationship‑led, data‑enabled and operationally resilient approaches that support sustainable performance across market cycles. At the same time, cost pressures are prompting lenders to embrace automation and AI to create sustainable operational efficiency.
EY teams help banks, independent mortgage companies, FinTechs and new market entrants modernize and operate home lending businesses across the full lifecycle — from growth strategy and platform modernization to servicing efficiency, risk management and value creation. Our teams bring deep mortgage and home equity experience together with proven transformation delivery capabilities to help clients compete today and adapt for what’s next.
How EY teams help home lending clients
We support home lending clients across strategy, execution and operations, helping them simplify complexity, improve efficiency, manage risk and unlock long‑term value across first‑lien mortgages, home equity and emerging secured lending models.
Our latest thinking
Building resilient mortgage servicing: strategy, CX and governance
Explore in-house, hybrid and subservicing models. Learn how to align strategy, data and customer experience for compliant, scalable mortgage operations.
Why mortgage lenders should invest in home equity offerings
Mortgage lenders who invest strategically and adopt digital capabilities will capitalize on the growing demand for home equity lending. Learn more.
How pursuing GenAI can transform mortgage lending
By applying GenAI innovations across the lifecycle, mortgage lenders can gain a strategic advantage. Learn more.
How can financial institutions modernize their fair-lending practices?
FIs that disregard fair banking are lagging behind FIs that enhance compliance procedures, lending models and data analytics to become more compliant. Read more.
Modernize your mortgage lending platform
Banks that undergo lending platform modernization can provide customers mobile-accessed, data-driven, digital, holistic mortgage borrowing experiences. Read more.
A turning point for the US automotive financing sector
The lack of granular data into the auto lending market hampers the ability of lenders, market participants and regulators to identify and respond to risks.
Evaluating servicing models in the face of industry headwinds
Mortgage servicers re-evaluate their operating models, including in-house servicing, subservicing and hybrid or component servicing. Read more.
Which consumer lending strategies can FIs use to drive growth?
Financial institutions (FIs) are moving from single P&L-centric lending models to holistic ecosystem strategies centered on customer needs.
Mortgage lending reaches an inflection point
Know more about how mortgage lenders’ need to harness their data and leverage innovative technologies to deliver an efficient and personalized home buying experience.
How EY can help
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EY consumer banking and wealth technology solutions are designed to drive operational excellence and profitable growth. Learn more.
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