Equity Advance — Helping Credit Unions Say YES A Multi-Billion-Dollar Market — $107B+ annual applications, $34.4T total home equity Crack in the Credit Union Mission — $29B denied, 59% denied for high debt-to-income ratio Credit Unions are losing members to competitors offering home equity without DTI requirements Home Equity Line/Loan (DEBT) vs Home Equity Investment (EQUITY) Bond Holders Want More Deal Flow — massive oversubscription across HEI securitizations
$0 Denied Loan, but HEI Qualified Value 0 Institutions

in States with At Least 1 HEI Provider

Minimum Number of Denied Applicants
Maximum Number of Denied Applicants
Institution Name State Denied Applicants Denial Rate HEI Qualified Value
Credit Union Denied Applicants Denial Rate HEI Qualified Value Annual Revenue / CU
Institutions Selected
0
Total Denied Applicants 0
Total Denied Value $0
Total Yearly DTI Denials $0
Revenue Per Deal $0
Capture Rate (% of DTI) 20%
Total Annual HEI Volume Funded $0 at 33% capture
Total Annual Referral-Fee Income to Credit Unions $0 at 33% capture · 1.5% referral fee
Estimated % of HEI Qualified Value Captured 33%
33%
3.5% Origination Fee
3.0% Gain on Sale
$100,000 Avg Deal Size