Experian helps mortgage lenders look beyond individual data points to develop a more complete understanding of borrowers, portfolios and opportunities.
Experian brings together expansive consumer, credit, and property data to provide a clearer and more complete view of the housing journey. With high-quality data at scale, analytics and insights to connect deeper insights and go behind the numbers, leading to more informed decisions across the mortgage lifecycle.
See a Bigger Borrower Picture with Score Choice
Mortgage decisions are rarely defined by one variable.
Imagine deciding someone’s home loan potential based on a snapshot from five years ago. That’s what lenders are forced to do today. Experian is working to bring the full picture into focus by evaluating a borrower’s complete and current profile, not just their past. They can leave the old math behind and see a new equation.
Understanding today’s borrowers requires looking at multiple signals and how they work together.
Experian combines extensive, frequently updated data assets with advanced analytics and housing expertise to help lenders transform complex information and borrower insights into actionable intelligence.
Instead of asking only: What does this number tell us?
Start asking: What does the whole picture of a borrower show us? We help lenders develop deeper insight into the different factors shaping financial behavior, credit risk and housing opportunities.
Credit insights
Better understand credit characteristics, consumer behaviors and changes that can influence lending decisions.
Financial insights
Add greater context around consumers’ financial circumstances and behaviors.
Property and housing insights
Connect consumer intelligence with property and housing information to develop a broader market perspective.
Market insights
Understand the economic and housing trends influencing borrowers, portfolios and lending strategies.
See the Borrower. Not Just the Data Point.
Two consumers can appear similar when viewed through a single metric while having very different financial circumstances.
The difference is context.
Experian helps lenders connect multiple dimensions of consumer and market information so they can better understand who consumers are, how their financial behavior is changing and where opportunities or risks may exist.
More context can lead to more informed decisions.
The Predictive Advantage
While the competition is chasing yesterday’s data, Experian is empowering lenders to underwrite the future, using advanced analytics and precise data to provide deep borrower insights.
The lending landscape is shifting faster than legacy systems can adapt. Consumer behavior, income and credit are all moving in real time. Competitors are still trying to map static and historical data, but Experian is the only bureau identifying and leveraging new views of today’s consumer.
Go Beyond the Numbers With Experian
See borrowers, portfolios and housing opportunities from a broader perspective.
Discover how Experian data and analytics can help your organization uncover insights, understand risk and identify opportunities throughout the mortgage lifecycle.
Experian’s Score Choice Bundle brings VantageScore® 4.0 and FICO® 2 together in a single transaction, giving mortgage lenders, financial institutions and credit unions greater flexibility to evaluate the scoring option that best fits their needs.