Lenders can then use this information, along with Exhibit 19 Credit Fees and Exhibit 19A Eligibility Criteria for Credit Fee Caps, to determine if the loan may be eligible for a Freddie Mac Credit Fee Cap. Second Mortgage Market Insights Provides Detailed Look into Current State, Outlook for Home Equity Lending Home Equity Lending News LLC, Laguna Beach, Calif., released Second Mortgage Market Insights Q2 2023, a detailed look into the current state of junior-lien originations, capital markets, servicing and technology, as well as the home-equity market outlook. The 32-page report examines how home-equity originations have recovered since the financial crisis, who the players are, and market metrics for today's originations.