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市場調査レポート

米国の住宅ローン融資における金融危機後の変化:分析・予測

Post Crisis Changes in Mortgage Lending in U.S. - Analysis & Forecast

発行 MarketsandMarkets 商品コード 134068
出版日 ページ情報 英文 95 Pages
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米国の住宅ローン融資における金融危機後の変化:分析・予測 Post Crisis Changes in Mortgage Lending in U.S. - Analysis & Forecast
出版日: 2010年09月15日 ページ情報: 英文 95 Pages

当商品の販売は、2016年07月01日を持ちまして終了しました。

概要

当レポートでは、金融危機後の米国の住宅ローン融資の動向について調査分析し、需要サイド・供給サイドの見通し、政府による刺激策、米国の銀行による各種推進戦略、海外市場での動向、主要銀行の取り組みのケーススタディ、主要ベンダーのベンチマーキング分析、主要ベンダーのプロファイルなどをまとめ、概略以下の構成でお届けいたします。

エグゼクティブサマリー

第1章 イントロダクション

第2章 市場概要

  • イントロダクション
  • 危機後の住宅ローンシナリオ
    • 差し押さえの恐れから借り換えへ
    • コスト高のFHA:民間の住宅ローン保険の市場機会を創出
    • プレッシャー下の銀行のMBS買取り
    • リバースモーゲージを好む銀行
    • 市場の統合
  • 政府による住宅ローン産業の見直し
    • MHA (MAKING HOME AFFORDABLE)プログラム
    • FRBのMBS買取りプログラム
    • 住宅販売の加速のための税額控除

第3章 分析・予測

  • イントロダクション
  • 需要サイドの指標分析
    • 名目GDP:2015年まで3%以上成長の見込み
    • 1984年以来最高の失業率
    • 貯蓄率:2009年レベルからの減少
  • 供給サイドの指標分析
    • コアインフラの削減
    • 最低レベルの住宅ローン金利
    • 住宅供給市場の成長:2010年〜
  • 住宅ローン融資:2011年以降増加
    • 住宅ローン融資:CAGR10%成長の見通し
    • 借り換えから新規購入へ

第4章 戦略の構築

  • イントロダクション
  • 米国の銀行が取り入れている戦略
    • 拡大のための問題のある住宅ローン保有者の取り入れ
    • デフォルト率縮小への取り組み
    • 意識向上・ブランド構築への取り組み
    • アップグレード技術
  • 初期導入者:近い将来の市場機会を開拓
  • 外国市場で銀行が取り組む戦略
    • オーストラリアの銀行による効果的な商品のバンドリング戦略:顧客のロイヤルティ構築のため
    • バーレーンにおけるARAB BANKのイニシアチブ:関連口座による返済の負担の削減を支援、など

第5章 ケーススタディ

  • ケーススタディI:MORTGAGEBOTの統合POSソリューションによるローン額の拡大と住宅ローンプロセスの合理化(COMMUNITY BANK OF PENNSYLVANIA)
    • COMMUNITY BANKについて
    • 目的
    • 総論
  • ケーススタディII:住宅ローンビルダーソフトウェアによるエンドツーエンドのSAASローン融資プラットフォームの実行(CORTLAND BANK)
    • CORTLAND SAVINGS AND BANKING COMPANYについて
    • 目的
    • 総論

第6章 ベンダー分析

  • ベンダーのベンチマーキング
    • 戦略
    • 機能
  • ベンダープロファイル

図表

目次
Product Code: BFS 1049

The U.S. has the world' s largest mortgage market; in 2009 the country had an outstanding mortgage-to-GDP ratio - above 100% - despite being very badly affected by the recent financial crisis. The report ‘Post Crisis Changes in Mortgage Lending in the U.S. - Analysis & Forecast, 2010-2015' is a market research study of recent changes in the U.S. residential mortgage industry. The report has five chapters - Market Overview, Forecast & Analysis, Strategy Formulation, Case Studies, and Vendor Analysis.

‘Market Overview' focuses on post crisis changes in the U.S. residential mortgage industry. It identifies top players and their market shares according to mortgage origination as well as servicing volume. Overall, the chapter contains the gist of recent changes or developments related to the industry.

The second chapter, ‘Analysis & Forecast' , contains estimates for residential mortgage originations till 2010. To forecast origination, this report recognizes thethree most important demand side factors and three most important supply side factors. The demand side factors include GDP, unemployment, and saving rate as a percentage of disposable income; and the supply side factors include inflation, mortgage rate, and new home starts.

The ‘Strategy Formulation' chapter features strategies followed by top players in the U.S. as well as by some offshore players in Australia, Bahrain, Hong Kong, the U.K. and other markets.

The ‘Case Studies' section discusses the impact of technology on mortgage lenders' productivity. We have reviewed the role of mortgage technologies in improving the efficiency of lenders.

‘Vendor Analysis' includes profiles of the top eight technology providers. To identify these, the first top 50 vendors were selected based on certain criteria. The top 50 vendors were analyzed on the basis of their developments to enhance products and services after January 2009; the top eight were then selected from these. The chapter also benchmarks profiled vendors

Table of Contents

EXECUTIVE SUMMARY

1. INTRODUCTION

  • 1.1 REPORT PURPOSE
    • 1.1.1 REPORT CATALYST
    • 1.1.2 REPORT STRUCTURE
  • 1.2 RESEARCH OBJECTIVE
  • 1.3 STUDY METHODOLOGY

2. MARKET OVERVIEW

  • 2.1 INTRODUCTION
  • 2.2 POST CRISIS MORTGAGE SCENARIO
    • 2.2.1 FEAR OF FORECLOSURE LEADS TO REFINANCING
    • 2.2.2 COSTLY FHA CREATES OPPORTUNITY FOR PRIVATE MORTGAGE INSURANCE
    • 2.2.3 BANKS UNDER PRESSURE TO REPURCHASE MBS
    • 2.2.4 BANKS PREFER REVERSE MORTGAGE
    • 2.2.5 MARKET CONSOLIDATION
      • 2.2.5.1 Mortgage - A Consolidating Market
      • 2.2.5.2 Residential Mortgage Lending - Top Lenders
  • 2.3 GOVERNMENT REVAMPS THE MORTGAGE INDUSTRY
    • 2.3.1 MHA (MAKING HOME AFFORDABLE) PROGRAM
    • 2.3.2 FEDERAL RESERVE' S MBS PURCHASE PROGRAM
    • 2.3.3 TAX CREDITS TO BOOST HOME SALES

3. ANALYSIS AND FORECAST

  • 3.1 INTRODUCTION
  • 3.2 ANALYSIS OF DEMAND SIDE INDICATORS
    • 3.2.1 NOMINAL GDP TO GROW OVER 3% BY 2015
    • 3.2.2 HIGHEST UNEMPLOYMENT RATE SINCE 1984
    • 3.2.3 SAVINGS RATE REDUCES FROM THE 2009 HIGH
  • 3.3 ANALYSIS OF SUPPLY SIDE INDICATORS
    • 3.3.1 REDUCING CORE INFLATION
    • 3.3.2 MORTGAGE RATES AT THEIR LOWEST
    • 3.3.3 HOUSING STARTS TO GROW FROM 2010
  • 3.4 MORTGAGE ORIGINATION TO INCREASE AFTER 2011
    • 3.4.1 MORTGAGE ORIGINATION WILL GROW AT 10% CAGR
    • 3.4.2 FROM REFINANCE TO NEW PURCHASES

4. STRATEGY FORMULATION

  • 4.1 INTRODUCTION
  • 4.2 STRATEGIES ADOPTED BY U.S. BANKS
    • 4.2.1 ACQUIRING TROUBLED LENDERS FOR EXPANSION
    • 4.2.2 EFFORTS TO REDUCE DEFAULT RATES
    • 4.2.3 EFFORTS TO CREATE AWARENESS & BRAND BUILDING
    • 4.2.4 UPGRADING TECHNOLOGY
  • 4.3 EARLY MOVERS WILL EXPLOIT OPPORTUNITIES IN NEAR-FUTURE
  • 4.4 STRATEGIES FOLLOWED BY BANKS IN FOREIGN MARKETS
    • 4.4.1 PRODUCT BUNDLING STRATEGY EFFECTIVELY ADOPTED BY AUSTRALIAN BANKS TO BUILD CUSTOMER LOYALTY
    • 4.4.2 ARAB BANK' S INITIATIVE IN BAHRAIN HELPS REDUCE BURDEN OF REPAYMENT THROUGH LINKED ACCOUNTS
    • 4.4.3 LLOYDS TSB ALLOWED ITS U.K. BORROWERS TO USE THIRD PARTY CONTRIBUTIONS FOR HOME PURCHASES
    • 4.4.4 U.K. BASED GUARANTORS' MORTGAGE PROGRAMS TO BOOST LENDING
    • 4.4.5 IRELAND BASED BANK PROTECTS HOME OWNERS FROM FALLING HOUSE PRICES
    • 4.4.6 SUCCESS OF REPAYMENT OPTIONS DEPEND ON FLEXIBILE TERMS
      • 4.4.6.1 Multiple Repayment Options by Standard Chartered Bank
      • 4.4.6.2 New Zealand based TSB Bank' s flexible repayment options
    • 4.4.7 HYBRID HOME LOANS IN NEW ZEALAND, CANADA AND THE U.K. GIVE THE ADVANTAGE OF FIXED AS WELL AS VARIABLE RATES

5. CASE STUDIES

  • 5.1 CASE STUDY I - COMMUNITY BANK OF PENNSYLVANIA INCREASED LOAN VOLUME AND STREAMLINED MORTGAGE PROCESS WITH INTEGRATED POINT OF SALE SOLUTION BY MORTGAGEBOT
    • 5.1.1 ABOUT COMMUNITY BANK
    • 5.1.2 OBJECTIVES
      • 5.1.2.1 Manual data entry paper dependency and inefficiency - main bottlenecks faced by the bank
      • 5.1.2.2 Challenge - Increase efficiency and productivity
      • 5.1.2.3 Bank selects Mortgagebot' s PowerSite mortgage POS
      • 5.1.2.4 More channels, higher volume and more productivity were the main benefits
    • 5.1.3 CONCLUSION
  • 5.2 CASE STUDY II - MORTGAGE BUILDER SOFTWARE IMPLEMENTS END-TO-END SAAS LOAN ORIGINATION PLATFORM AT CORTLAND BANK
    • 5.2.1 ABOUT CORTLAND SAVINGS AND BANKING COMPANY
    • 5.2.2 OBJECTIVES
      • 5.2.2.1 Challenge of cost and time in implementing an enterprise level LOS
      • 5.2.2.2 SaaS model offered by Mortgage Builder solved the bank' s requirement
    • 5.2.3 CONCLUSION

6. VENDOR ANALYSIS

  • 6.1 VENDOR BENCHMARKING
    • 6.1.1 STRATEGIC BENCHMARKING
    • 6.1.2 FUNCTIONAL BENCHMARKING
  • 6.2 VENDOR PROFILES
    • 6.2.1 DEL MAR DATATRAC
      • 6.2.1.1 Products and services
      • 6.2.1.2 Developments
    • 6.2.2 ELLIE MAE
      • 6.2.2.1 Products and services
      • 6.2.2.2 Developments
    • 6.2.3 ISGN
      • 6.2.3.1 Products and services
      • 6.2.3.2 Developments
    • 6.2.4 MORTGAGE BUILDER SOFTWARE
      • 6.2.4.1 Products and services
      • 6.2.4.2 Developments
    • 6.2.5 MORTGAGE CADENCE
      • 6.2.5.1 Products and services
      • 6.2.5.2 Developments
    • 6.2.6 MORTGAGEBOT
      • 6.2.6.1 Products and services
      • 6.2.6.2 Developments
    • 6.2.7 MOTIVITY SOLUTIONS
      • 6.2.7.1 Products and services
      • 6.2.7.2 Developments
    • 6.2.8 MRG DOCUMENT TECHNOLOGIES
      • 6.2.8.1 Products and services
      • 6.2.8.2 Developments

LIST OF TABLES

  • TABLE 1. LIST OF ACQUISITIONS AND BENEFITS TO ACQUIRERS
  • TABLE 2. LENDERS EFFORT TO REDUCE DELINQUENCIES
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