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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Industry-specific risk models
The latest Experian Commercial Pulse Report provides a sharp look at how recent economic shifts are impacting small businesses across the U.S., with a special focus on supply chains, specifically the transportation industry, which is experiencing fallout from changing trade policies. Are industry-specific models effective in mitigating risk?
Check out the full report to see how these trends could impact your strategy!
Report
Uncertainty, AI, and White-Collar Hiring
While the US labor market remains on decent footing, it has become increasingly challenging to land a job. For lenders, current dynamics suggest there could be greater-than-expected stress in higher-income households and in the Prime credit segments of the market if layoffs increase and job opportunities for these workers remain scarce. Insights include:
- Businesses are scaling back on hiring due to economic uncertainty and AI uptake
- Employment in both tech-centric and broader professional and business services has been stagnant
- Higher-educated/white-collar workers feeling the strain of a challenging job market
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Macroeconomic forecasting and regional trends - May 2025
As we progress through 2025, economic conditions continue to shift as uncertainty climbs. Discover our experts' insights on how they anticipate the economic landscape to evolve throughout 2025, as they delve into the latest trends and forecasts.
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Agility & Transparency with Integrated Feature Management
Instead of relying on reactive, fragmented data, financial institutions need streamlined, governed and integrated feature development capabilities to accelerate model development and enhance transparency.
Experian Feature Builder provides:
- Centralized data access
- Advanced lineage tracking
- Streamlined feature registry
- Key statistical reporting
- Comprehensive feature lifecycle support
Read our latest e-book to discover how your organization can transform raw data into custom, high-value features quickly and easily.