State of Home Equity: A Market Strategy Report

How market dynamics are shaping home equity opportunity across the U.S.

Home equity opportunity is not uniform across the country — and successful lending strategies shouldn’t be either. Coviance analyzed homeowner equity trends, borrower financial profiles, and competitive market dynamics across all 50 states to help community banks and credit unions better understand the conditions shaping home equity growth in their markets.

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Explore Home Equity Market Dynamics by State

Hover over the map to view each state's profile across the three strategic levers shaping home equity opportunity, then click through for the full breakdown.

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Home Equity Market Potential

Medium

Borrower Quality

Low

Competitive Intensity

High

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The Three Market Dynamics Behind the Analysis

The State of Home Equity Report evaluates each state across three core dimensions. Together, these levers provide a more complete view of how collateral opportunity, borrower readiness, and competitive conditions vary across markets.

Home Equity Market Potential

Measures the strength of a state's underlying home equity opportunity, helping lenders understand how equity dynamics may shape home equity growth.

Inputs used include:

Equity availability

Home price growth

Homeowner base size

Borrower
Quality

Measures the financial profile and qualification environment of homeowners, helping lenders understand how borrower readiness may influence lending strategy.

Inputs used include:

Credit quality

Income

Debt pressure

Competitive
Intensity

Measures the level of home equity lending activity and competitive pressure within the market, helping lenders understand their competitive landscape.

Inputs used include:

Home equity marketing activity

Non-bank lender presence

Physical branch footprint

Turn Market Intelligence Into Home Equity Strategy

The State of Home Equity: A Market Strategy Report explores how the borrower, collateral, and competitive conditions shaping home equity lending across the U.S.

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The full report includes:

State-by-state market profiles
Strategic considerations for community lenders
Methodology and source data

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This page is produced by Coviance for informational purposes only. Coviance is not a lender, mortgage broker, financial advisor, or credit reporting agency, and nothing herein constitutes lending, legal, financial, or investment advice. All data is sourced from third-party providers and aggregated datasets, supplemented by Coviance's proprietary methodology; metrics reflect population-level aggregates for the state profiled only and do not constitute credit determinations, underwriting decisions, or assessments of individual borrower eligibility. Financial institutions are solely responsible for all decisions made in reliance upon this content and for ensuring compliance with all applicable laws and regulations. Coviance is not liable for decisions made in reliance on this information. Consult qualified legal and compliance counsel before acting on anything contained herein. This content may not be reproduced or redistributed without prior written consent from Coviance. © 2026 Coviance. All rights reserved.

State of Home Equity: A Market Strategy Report

Explore Home Equity Market Dynamics by State

The Three Market Dynamics Behind the Analysis

Home Equity Market Potential

BorrowerQuality

Competitive Intensity

Turn Market Intelligence Into Home Equity Strategy

Complete the Form Below to Download the Report

Borrower
Quality

Competitive
Intensity