Welcome to the Experian Thought Leadership Hub

See how evolving credit scores, alternative data, and verification tools could help lenders improve the mortgage process and expand access to homeownership.

In this HousingWire conversation, Allison LaForgia speaks with Michele Bodda, Group President of Experian Housing, Verification Solutions and Employer Services. Bodda discusses how lenders can put modern credit scoring and consumer data to work in underwriting today.

Watch the video to hear about:

• Using alternative credit data to better represent consumers with limited traditional credit histories

• Bringing the right information into the underwriting process at the right time

• How Power Profile Plus lets lenders request another score later in the process without repurchasing the underlying credit data

• Experian’s investment in income and employment verification, including its partnership with Workday

• Opportunities to improve efficiency and help more people pursue homeownership

In this episode of the Chrisman Commentary, we explore why income and employment verification are reaching a turning point for mortgage lenders and borrowers alike. Ryan Rosales discusses how new data sources, including Experian Verify’s integration with Workday, are helping move the industry beyond the traditional choice between a few verification providers and cumbersome manual documentation. Tune in to hear how greater competition, expanded data coverage, real-time verification, and a more open ecosystem could reduce borrower friction, lower lender costs, and potentially reshape the future of mortgage origination. 

Build a trusted data foundation for AI as models and agents draw from more sources and make faster decisions.

• Understand why traditional approaches can fall short at AI scale
• Learn what makes data reliable, relevant, safe and representative
• Identify data trust gaps and prioritize what to fix
• Explore how to operationalize trusted data

Explore research on what financial institutions need to move AI initiatives forward responsibly.

• Understand the data and governance barriers slowing AI adoption
• See where lenders are investing to strengthen AI foundations
• Learn why data lineage, explainability and trust matter for scale
• Explore how connected intelligence can support modern lending

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

Most commercial risk models are designed to assess every industry. Construction operates by a different set of rules. Explore the data, research, and analytics behind Experian's first construction-specific score and learn how trade creditors can improve risk visibility, credit decisions, and portfolio performance.

Explore Experian's Q3 2026 U.S. economic outlook and scenarios forecasts. Tune into our experts' commentary on current trends.

• See GDP projections for 2026 and 2027.
  
• Understand the outlook for inflation and unemployment.
  
• Review expectations for Federal Reserve interest rates.
  
• Compare base-case, optimistic and pessimistic scenarios.

See how Experian’s Mortgage Loan Performance dataset on Snowflake helps teams quickly turn complex questions about mortgage portfolios into actionable insights. Explore how natural-language queries and ready-to-run analytics can support market sizing, credit risk, prepayment, escrow risk, and portfolio strategy.

Learn how SBFE data and Experian's analytical capabilities help lenders drive growth and improve decisioning.

• 20M+ small businesses and 110M+ accounts are represented in SBFE data, giving lenders significantly broader credit visibility than internal data alone. 
• Nearly 40% of new commercial credit activity is coming from businesses less than 1 year old, highlighting the importance of building credit visibility early. 
• AI is a top priority for 50% of banking leaders, but the webinar stressed that AI success depends on high-quality, validated, and enriched data.