Welcome to the Experian Thought Leadership Hub

Insights from Experian’s 2026 Mortgage Lender Playbook to help lenders drive growth and resilience:

• Expand access to credit using alternative data
• Capture rising home‑equity demand with streamlined solutions
• Improve pricing, risk controls, and performance precision
• Boost ROI with efficient income and employment verification

Gain actionable insights from Experian’s 2026 State of the U.S. Housing Market Report:

• Mortgage market shifts and evolving borrower behaviors
• Affordability pressures and what they mean for homeowners
• Home equity as a key growth lever for lenders
• Macroeconomic trends impacting housing demand and credit

Home equity lending is shifting fast and hidden risks could be costing you.

• Fraud is rising: Identity theft and misrepresentation are becoming more common, increasing losses and slowing approvals.
• Workflows are outdated: Manual processes and legacy systems are creating bottlenecks and inefficiencies.
• Profitability is impacted: Many lenders underestimate how these issues affect their bottom line.

Amet aut nulla aut tempore quo. Non vero occaecati. Est hic nulla aliquid.

Culpa fugit eveniet qui quod consequatur nisi. Saepe et et et adipisci nam consequuntur. Esse magni aut assumenda commodi quisquam.

Suscipit temporibus placeat tenetur et voluptate. Qui est nihil praesentium. Repellat ut officia cumque neque dolorum. Reprehenderit facilis ullam.

This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.

Key Takeaways:

• $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
• Behavior Gap: Many consumers default to credit cards due to misconceptions about HELOCs.
• Smart Targeting: Use data to identify Revolvers and tailor offers that resonate.
• Digital Advantage: Compete with fintechs by streamlining approvals and closings.

Explore the latest advancements in income and employment verification methods in the mortgage industry. This whitepaper, created in partnership with National Mortgage News, highlights the benefits of instant verification, addresses common pain points, and provides insights from industry professionals. Learn how innovative tools like Experian Verify can enhance customer experience, improve operational efficiency, and offer transparent pricing.

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.