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The advent of technology in the field of loans and mortgages

USA, Rockville MD, June 15, 2022 (GLOBE NEWSWIRE) — According to the latest report from Fact.MR, a market research and competitive intelligence provider, the overall request Electronic Mortgage Market is expected to reach a valuation of $46.2 billion by the end of 2022 and grow at a CAGR of 18.2% over the valuation period (2022-2032).

Banks, fintech, NBFC and others are riding the wave of digitalization. This has enabled improved customer experience and cost savings to a much higher level, as well as better decision making. Lenders and customers are opting for a hassle-free, fast and more reliable digital experience, as well as convenience and security.

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According to the report, nearly 90% of lenders believe technology can help improve mortgage application processes. In addition, the entire process minimizes data entry operations by 2/3, while reducing the time required by 70% compared to conventional mortgage processes. Thus, the adoption curve of e-mortgage technology will show full penetration of the loan and mortgage market over the next few years.

Why is the e-mortgage market poised to explode?

“Increasing digitization in banking and lending”

End-consumer demand for electronic mortgages has grown exponentially in recent years. In 2018, nearly 17,000 electronic promissory notes were registered. After just one year, the number rose to around 95,000 in 2019, registering an increase of around 500%. This continued with a month-long tally reaching around 19,240 eNotes in February 2020.

The main reason is the security, speed and cost-effective attributes of electronic mortgages compared to traditional paper-based mortgages. The overall process and loan documents, including electronic notes, are created, signed, transmitted and stored electronically, which limits the risk of misplacement or theft and allows automated verification of data covered by a single platform.

This complete end-to-end digitization has resulted in double-digit growth in e-Mortgage and will also continue to drive the adoption of personal finance mobile apps in the coming years.

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Key segments covered by the e-Mortgage Industry survey

  • e-Mortgage Market by Solution:
    • Originating Solutions
    • Subscription
    • Fencing Solutions
    • Data analysis
    • Others
  • Electronic Mortgage Market by Mortgage Type:
  • Electronic Mortgage Market by Lender Type:
    • fintech
    • credit unions
    • Banks
    • Government Institutes and NBFC
    • Other secondary lenders
  • Electronic Mortgage Market by End User:
    • Residential
    • Commercial
    • Industrial

Competitive landscape

Major players operating in the e-mortgage market are AmoCRM, BNTouch, Calyx PointCentral, Cimmaron, Encompass, Floify LLC, HubSpot, ICE Mortgage Technology, Inc, Jungo, Keap, Maxwell Financial Labs, Inc., MLO Shift, Pipedrive, Podium, RealINSIGHT, Salesforce, Simple Nexus, Surefire, TeamSupport, Total Expert, Turnkey Lender, Unify, Velocify LoanEngage, Whiteboard, and Zendesk Sell

Market players are on the continuous path of delivering next-generation services by offering additional and faster APIs and high-end customization skills with electronic tools and forms. The ability to originate, manage and execute loans with exceptions and improved customer experience have been the top strategy of market leaders.

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The key players in the e-Mortgage Market

  • Cimmaron
  • Encompass
  • Floify LLC
  • ICE Mortgage Technology, Inc
  • Keep
  • single link
  • Unify
  • Whiteboard

Main takeaways from e-Mortgage Market research

  • Global e-Mortgage is poised to grow at a CAGR of 18.2% to reach a valuation of US$46.2 billion by 2032.
  • Based on the type of lender, the market is expected to be dominated by fintech, which is expected to account for around 50% market share by 2032.
  • North America is likely to be the most attractive region for electronic mortgage technology and is expected to create an absolute dollar opportunity of US$9.2 billion by the end of 2032.
  • The purchase segment is expected to grow by 4.2X while the refinance segment is expected to grow by 6.1X during the forecast period.
  • Banks are estimated to exceed a market valuation of US$8.3 billion by 2032; however, this segment is expected to lose 328 bps over the next ten years.

About Fact.MR Technology Division

Expert analysis, actionable insights, and strategic recommendations from Fact.MR’s highly experienced technology team help customers around the world meet their unique business intelligence needs. With a repository of over a thousand reports and over a million data points, the team has analyzed the tech industry in over 50 countries for over a decade. The team provides unparalleled end-to-end research and advisory services. Contact us to find out how we can help you.

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