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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Report
Regional Economic Health Tracker
The Regional Economic Health Tracker examines consumer health across the four U.S. census regions. It highlights how regional dynamics, from data center growth to housing costs and credit conditions, are shaping household finances today.
- Regional income, spending, and cost-of-living trends
- Housing market performance and price changes
- Consumer stress and 30+ DPD balances by product
Report
2026 State of the U.S. Housing Market Report: Navigating Uncertainty, Unlocking Opportunity
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
Webinar
Unlocking alternative data for smarter fintech decisions
Join Ashley Knight, Experian’s SVP of Product Management, and Haiyan Huang, Prosper’s Chief Credit Officer, to discover how:
- Alternative finance data is redefining how to verify and connect identities.
- Email and phone intelligence is unlocking new levels of precision in credit marketing.
- Open banking insights are becoming increasingly critical for financial inclusion and mitigating risk.
Report
Q4 2025 Lending Conditions Chartbook
Despite tariff headwinds in 2025, the U.S. economy exceeded expectations and is positioned for continued growth. Improving credit dynamics point to a stronger lending environment in 2026.
- Solid economic momentum heading into the new year
- Improving lending standards and rising credit demand
- Stable delinquency trends support healthier credit conditions