Channel strategy — best practice institutions have developed efficient sales and marketing channels outside of their retail branches and typically generate 30% greater volume than the average bank, which generates 70-80% of its home equity volume through the branch channel.

Branch distribution — it is not surprising that the most successful banks manage this channel with great care and have implemented strategies that generate significantly higher volume per branch than their peers.

Back office productivity — tight management of back office capacity not only reduces acquisition cost but also leads to faster processing times, improved customer satisfaction and higher closing rates.

Pipeline management — sometimes the greatest opportunity comes from closing more loans which have already been approved, rather than sourcing new applications. Our studies have shown that operational productivity can be improved up to 40% through better capacity management and pipeline management practices.