Welcome to the Experian Thought Leadership Hub

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

Explore our 2027 Data Breach Industry Forecast and the emerging risks shaping cybersecurity and consumer trust. 

• See how AI may reshape identity verification and fraud 
• Explore the rise of digital doppelgängers 
• Learn how consumer privacy behaviors may evolve 
• Understand why breach notifications may need a reset 

Prepare your organization to respond quickly and effectively to a data breach with a practical, end-to-end guide.

• Build and audit a cross-functional response plan. 
• Run drills for ransomware, vendor breaches, deepfakes and shadow AI. 
• Plan consumer notification, call center and identity protection support. 
• Navigate third-party risk, cyber insurance and regulatory requirements. 

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. 

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

See how scams develop across five stages and where fraud teams may detect risk earlier. 

• Understand targeting, grooming and trust-building tactics. 
• Identify behavioral, device and payment warning signs. 
• See how account takeover and value transfer can appear. 
• Explore opportunities for earlier intervention. 

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