Fintech Trends Report: Who is the digital borrower?

The U.S. housing market may begin to thaw in 2027, but improvement won't be universal. Changing affordability, borrower readiness, household finances and property-level costs will shape where opportunity emerges and who is positioned to act.

Experian's 2027 State of the U.S. Housing Market Report takes a closer look at the consumer, financial, and market signals behind these shifts, helping lenders look beyond national averages to understand where housing opportunity may be emerging, for whom, and under what conditions.

Inside the report

Explore the trends and data shaping the 2027 housing market, including:

• Mortgage demand and borrower readiness
• The true cost of homeownership
• Regional market conditions
• Household financial resilience
• Home equity and lending opportunity
• Renter sentiment and future demand
• Economic and consumer trends

Read our latest Identity and Fraud Insight for Fintechs Report.

• Explore the AI-enabled fraud threats creating the greatest concern and exposure for fintechs. 
• See where fintechs are increasing investment in GenAI intelligence, document forgery detection and deepfake defenses. 
• Learn how proactive, layered identity verification can strengthen protection while reducing customer friction. 

See how behavioral analytics strengthened post-login fraud detection.

• Learn how we integrated across 200+ ecosystem points.
• Discover how fraud detection increased 2X versus incumbent tools.
• Explore how connected signals exposed organized fraud rings.

In today’s competitive mortgage market, lenders are challenged to reduce origination costs, improve operational efficiency, and create a better borrower experience. This webinar explores how the Experian Verify Preview Report gives lenders visibility into employment and income record availability before ordering a full Verification of Income and Employment (VOIE) report. By providing transparency upfront, lenders can reduce unnecessary verification expenses, improve operational efficiency, and make more informed sourcing decisions.

What we’ll cover:

• How to determine record availability before ordering a full income and employment verification report
• Strategies for reducing unnecessary verification spending while improving operational efficiency
• Ways to improve borrower experience, accelerate loan processing, and reduce lender workload through smarter verification workflows
• How verification innovation supports broader mortgage automation and data-driven decisioning initiatives