Welcome to the Experian Thought Leadership Hub

While all eyes are on the impact of tariffs, immigration policy, and other proposals coming out of the new administration, the five key trends that I’ll be watching in 2025 have been playing out over the last couple of years and will be important to how the economy and lending market unfolds in the year ahead.

Trends include:

• The slowdown in the “white-collar” job market
• The stabilization of consumer delinquency
• The letting up of lending standard tightening

Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

Experian's State of Credit Unions Report explores data-driven credit trends in the credit union space, with a particular focus on auto loans, unsecured personal loans and unsecured credit cards.

Take a deep dive into:

• Trends in originations and delinquencies among credit union members
• How credit unions fare against other financial institutions
• Strategies to attract new members and mitigate portfolio risk

This week's Commercial Pulse Report highlights key economic trends and small business credit conditions, providing insights for lenders, risk professionals, and business leaders.

The U.S. economy continues to face high interest rates and shifting market conditions:

• Inflation rose to 2.9% in December, marking its third consecutive increase and the highest level since July 2024.
• Unemployment declined to 4.0% in January, the lowest level since April 2024, but job growth slowed, with only 143K jobs added.
• Q4 GDP grew at 2.3%, down from 3.1% in Q3, indicating a moderate but slowing expansion.
• The Federal Reserve kept interest rates steady, reinforcing concerns about persistent inflation.

This report features the latest findings from the Experian Small Business Index™, a data-driven tool tracking small business financial health.

Check out the full report to see how these trends could impact your strategy!

Subscribe to Commercial Pulse Report

As we enter 2025, the mortgage industry continues to transform amid political and economic changes. Mortgage lenders must stay updated on trends to serve their customers effectively. Experian data scientists and analysts provide insights into the U.S. housing market's impact on lenders, highlighting recent trends and their implications. We aim to offer a comprehensive overview of the mortgage market, emphasizing key trends, regional differences, and potential growth areas.

• Market Trends: Understand the latest trends in mortgage originations, delinquencies, and interest rate fluctuations.
• Regional Insights: Explore regional variations in housing market activity and home equity levels.
• Strategic Recommendations: Get actionable insights to navigate the dynamic mortgage market in 2025.

Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

The latest Experian Commercial Pulse Report highlights a remarkable rebound for the Leisure & Hospitality sector:

✈️ TSA screened 903M+ passengers in 2024—a 6.5% increase over pre-pandemic levels.

🏨 Hotel occupancy rates are recovering, though still below pre-pandemic levels, as corporate travel remains reduced.

📊 Credit risk scores across subsectors are steadily improving, reflecting stabilizing financial health.

These trends showcase the sector’s resilience, supported by lower travel inflation and strong consumer demand despite economic pressures.

Credit managers, are you leveraging these insights to adjust your strategies?

Check out the full report to see how these trends could impact your strategy!

Subscribe to Commercial Pulse Report

The economy is heading into the new year on solid footing and the credit environment is showing early signs of stabilizing after two years of rising delinquency, tighter lending standards, and slowing credit growth. In the Q4 Lending Conditions Chartbook, Chief Economist Joseph Mayans breaks down key economic trends and dives deep into the latest developments in credit conditions across products and regions. 

Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.