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      Report

      Q3 2023 Experian/Oxford Economics Main Street Report

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      Published November 28, 2023

      Commercial Commercial Insights Economic & Market Insights

      Outstanding performance in the third quarter is a great headline focused on the resiliency of the American consumer. Business confidence and financials benefited from a consumer confidence boost as market conditions appeared to improve as inflation receded. Consumer spending remained elevated, supporting small business cashflow health, but a rising percentage of that consumer spend originated from leveraged consumer credit products. Creditors have been monitoring the rise in unsecured debt utilization and putting into action exposure limiting underwriting criteria.

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      2025 Housing Insights: Trends, Challenges, and Opportunities

      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.
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      State of the economy report - January 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.

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      14 January 2025

      Leisure and Hospitality Resilience and Recovery

      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

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      07 January 2025

      2024 Q4 Lending Conditions Chartbook

      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. 

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