Report
Published January 28, 2025
Mortgage Customer Management Data Sources Economic & Market Insights
As we enter 2025, the mortgage industry continues to transform amid political and economic changes. Mortgage lenders must stay updated on trends to serve their customers effectively. Experian data scientists and analysts provide insights into the U.S. housing market's impact on lenders, highlighting recent trends and their implications. We aim to offer a comprehensive overview of the mortgage market, emphasizing key trends, regional differences, and potential growth areas.
- Market Trends: Understand the latest trends in mortgage originations, delinquencies, and interest rate fluctuations.
- Regional Insights: Explore regional variations in housing market activity and home equity levels.
- Strategic Recommendations: Get actionable insights to navigate the dynamic mortgage market in 2025.
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Tip Sheet
Understanding Every Member with Alternative Data
Credit unions exist to serve all members of their communities. Yet millions of financially responsible individuals remain invisible to conventional scoring. Download our alternative data guide to discover:
- The strategic advantages of alternative credit data
- The future of inclusive lending
- Why you should partner with us
Video
Rising Delinquencies Signal Growing Risk in Transportation & Warehousing
As the U.S. economy continues to recalibrate post-pandemic, the transportation and warehousing segments of the logistics sector are signaling caution. While the broader logistics industry has remained in expansion mode, Experian’s latest Commercial Pulse Report reveals that delinquencies are rising—an early warning of growing risk in two of the economy’s most critical subsectors.
Check out the full report to see how these trends could impact your strategy!
Report
Top Econ Themes from Vision
The U.S. economy continues to surprise with its resilience - growth forecasts are improving, equity markets are hitting new highs, and fears of an imminent recession are fading. Joseph Mayans’ Vision 2025 session, “Navigating 2026: Global Macro Shifts, U.S. Credit Trends and the Evolving Lending Landscape,” explored the economic forces shaping the next year - from the AI-driven equity boom to structural vulnerabilities in the white-collar labor market. His key takeaway: while AI innovation is fueling growth and optimism, it also introduces new dependencies and risks that will define the next economic chapter.
Highlights:
- The AI Trade’s Dominance: Economic optimism is increasingly tied to the AI investment cycle—AI spending fuels stock gains, which in turn sustain higher-income consumer spending.
- Potential Vulnerability: Overreliance on AI-driven growth leaves the economy exposed if those massive investments fail to deliver expected productivity gains.
- Labor Market Shifts: AI is intensifying existing white-collar labor market imbalances—more graduates, fewer roles, and increasing automation pressure.
- Credit Market Implications: Rising white-collar vulnerability poses a growing risk for prime credit segments, especially if economic momentum slows.
- Future Readiness: As Sol Rashidi emphasized, humans’ edge lies in creativity and critical thinking—skills that should be strengthened, not outsourced, to AI.
