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Research Questions Covered in this 85 Page Consumer and Competitive Study Include:

• How interested are consumers in selecting their own credit card features?
• What is the consumer reaction to recent volatility in the stock and financial markets?
• Is there a perception of increased difficulty to secure loans, mortgages and refinancing?
• How many feel this will affect them personally?
• What affect do consumers feel the current interest rate environment would have on their adjustable rate mortgage (ARM) in the next year?
• What loan/line product features are consumers looking for when choosing a lending institution for an equity product and what features do equity product owners currently have on their equity product?
• What type of equity lending product do consumers most prefer?
• What is the interest level among consumers in a 36 month fixed rate home equity line of credit (HELOC) ?

Table of Contents

• Industry Trends in Credit Volume
• Competitive Action Summary
• Consumers' Loan Product Usage & Balances
• Credit Card Usage & Balances Among Consumers
• Consumers' Interest in Personal Credit Card Customization
• Consumers' Difficulty to Obtain Financial Assistance due to Market Volatility
• Consumers' Anticipated Loan Product Use in the Next 12 Months
• Current Perceptions on and the Type of Mortgage Lenders Sought out Today
• Profiling of the Current Home Purchase Market & the Anticipated Trend
• Reason Consumers Choose a Mortgage Lender
• Impact of Rising Rates on ARM Holders
• Equity Credit Product Features Trends
• Consumer Interest in a Fixed Rate Line of Credit
• Summary of Key Findings

Methodology

Commissioned by over 200 financial institution clients of the Raddon Financial Group (RFG), this syndicated research study explores consumer demand and usage of lending products.

Based upon 1,175 survey responses of a randomly drawn sample of members of a nationally representative direct mail panel, the consumer responses used in this study were weighted to reflect the nation’s demographic composition. The study’s confidence interval for any proportion gathered in the survey is in a range of 1.6% to 2.9% at the 95% level of confidence.

Optional Data Tabulations

RFG will provide a customized set of data tabulations using a segmentation scheme based on specific variables.