Resources

• Understand how affordability is reshaping renter behavior
• Explore generational shifts and rising rent burdens
• Analyze mobility, migration and payment trends
• Learn how financial conditions impact renter outcomes

Mortgage lenders face rising fallout, affordability strain, and shifting borrower expectations. This white paper explores how embedded financial wellness strengthens conversion, reduces risk, and builds long-term trust.

• Improve inquiry-to-close conversion
• Manage risk with real-time credit insights
• Address affordability pressures proactively
• Deepen engagement and drive sustainable growth

Discover how Experian’s Score Choice Bundle can empower lenders with modern data and transparent pricing:

• Access VantageScore 4.0 and FICO® 2 in every transaction
• Gain deeper insight using expanded, modern consumer data
• Simplify workflows with predictable pricing and bundled scoring
• Support broader access to homeownership with faster model adoption

Insights from Experian’s 2026 Mortgage Lender Playbook to help lenders drive growth and resilience:

• Expand access to credit using alternative data
• Capture rising home‑equity demand with streamlined solutions
• Improve pricing, risk controls, and performance precision
• Boost ROI with efficient income and employment verification

Gain actionable insights from Experian’s 2026 State of the U.S. Housing Market Report:

• Mortgage market shifts and evolving borrower behaviors
• Affordability pressures and what they mean for homeowners
• Home equity as a key growth lever for lenders
• Macroeconomic trends impacting housing demand and credit

Home equity lending is shifting fast and hidden risks could be costing you.

• Fraud is rising: Identity theft and misrepresentation are becoming more common, increasing losses and slowing approvals.
• Workflows are outdated: Manual processes and legacy systems are creating bottlenecks and inefficiencies.
• Profitability is impacted: Many lenders underestimate how these issues affect their bottom line.

Rental fraud is surging, driven by generative AI (GenAI) and automation, overwhelming leasing systems and increasing financial risk. Experian helps rental companies detect fraud early, protect revenue, and maintain seamless leasing experiences.

• 93% of rental companies reported fraud in the past year 
• Evictions cost over $3,500 each due to misrepresentation 
• 84% of companies saw falsified income documentation

This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.

Key Takeaways:

• $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
• Behavior Gap: Many consumers default to credit cards due to misconceptions about HELOCs.
• Smart Targeting: Use data to identify Revolvers and tailor offers that resonate.
• Digital Advantage: Compete with fintechs by streamlining approvals and closings.

Join Experian for an exclusive look into the forces reshaping the rental housing landscape. This webinar reveals how shifting renter demographics, rising affordability pressures, and evolving credit behaviors are impacting the market. Discover actionable insights on rent trends, payment risk, and the power of rent reporting—plus, get ahead of macroeconomic shifts influencing housing demand in 2025.