ICE Mortgage Technology, part of Intercontinental Exchange, Inc., released its June 2025 Mortgage Monitor report on June 2, 2025. The analysis revealed that U.S. mortgage holders held a record $17.6 trillion in home equity entering the second quarter of 2025.
Of this, $11.5 trillion was considered 'tappable' equity, available for borrowing while maintaining at least a 20% equity cushion. First-quarter second lien equity withdrawals rose 22% year over year to nearly $25 billion, marking the largest first-quarter volume in 17 years.
The average introductory rate on second lien HELOCs declined by 2.5 percentage points, falling below 7.5% in March. These trends indicate a strong market for home equity products, presenting a critical opportunity for housing finance professionals and supporting demand for ICE's end-to-end mortgage platform.
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