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Articles by Matt Rudzinski
The science (and art) of selling HELOC pools
As interest rate volatility remains elevated, demand for floating-rate assets has continued to grow. One of the primary beneficiaries has been Home Equity Lines of Credit (HELOCs), which have become increasingly attractive to participants seeking protection against future rate movements. Despite strong buyer demand, many financial institutions remain hesitant to sell HELOC pools.
Microloans make members for life
Imagine you have a member, Bob, who is 30, married with a kid and slowly making his way through the bachelor’s degree he didn’t think he wanted or needed at 19. He’s still writing his midterm paper on the evolution of flagella at 2 am after eight hours at work. Bob’s almost done, and then his laptop screen goes black. Not even the blue pinwheel of death. Just black. He explained this to his professor, who, with some skepticism, gave Bob a 48-hour extension.
The future of lending: What’s in store for credit unions in 2025
The lending landscape is evolving rapidly, and credit unions that rely on outdated processes risk falling behind. Rising interest rates, shifting borrower expectations, and technological advancements are reshaping the industry. Traditional mortgage lending is slowing, and home equity lending is gaining traction—but outdated processes are creating inefficiencies. Meanwhile, data and automation are changing how lenders assess risk, process applications, and deliver borrower experiences.
HELOC and home equity trends: Navigating the new lending landscape
As we step into 2025, the mortgage and home equity landscape continue to evolve, presenting both opportunities and challenges for consumers and financial institutions. After a turbulent few years of inventory constraints and affordability concerns, we’re beginning to see a shift toward stability.
2025 auto lending outlook: Leveraging technology and member-centric strategies for success
The auto lending market is transforming as consumer behavior shifts, economic uncertainty persists, and technology reshapes the lending landscape. With auto loan demand expected to rise this year, credit unions have a unique opportunity to capture market share if they adapt. However, to remain competitive and effectively serve their members, credit unions must address additional challenges, such as rising negative equity and increased competition from captives.
The evolving digital lending market: Trends, challenges and competitive intelligence
Securian Financial – Affinity Solutions The United States digital lending market, estimated at $457 billion in 2024, is expected to nearly double to $801 billion by 2029.1 This rapid expansion highlights the ongoing transformation of the financial services ecosystem, driven by advancements in artificial intelligence (AI), blockchain, and the growing preference for mobile-first solutions.
The shifting landscape of loan participations
Loan participations have always followed a cyclical pattern, largely influenced by liquidity. In times of excess liquidity—such as 2020 and 2021—strong demand for loans drove down yields, making trades more competitive. However, the landscape shifted in 2022 and 2023, when tighter liquidity forced sellers to offer deals at historically high spreads to attract buyers.
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