• Skip to main navigation
  • Consumer
  • Small Business
  • Business
  • Share price at
  • About Experian
  • Consumer Support
  • Credit Advice
  • Global Sites
Toggle main navigation
  • Client Sign in
    • Skip to main content
    • Solutions
      • Solutions
      • Advanced Analytics & Modeling
      • Collections & Debt Recovery
      • Commercial Solutions
      • Customer Management
      • Credit Decisioning
      • Credit Profile Reports
      • Data Reporting & Furnishing
      • Data Sources
      • Data Quality & Management
      • Fraud Management
      • Identity Solutions
      • Marketing Solutions
      • Regulatory Compliance
      • Risk Management
      • Workforce Management
        • Solving for your business needs:
        • Advanced Analytics & Modeling
        • Artificial Intelligence & Machine Learningsmall desc
        • Analytical Decisioningsmall desc
        • Analytics & Modelssmall desc
        • Business Intelligencesmall desc
        • Data Sourcessmall desc
        • Data Discovery & Analysissmall desc
        • Solving for your business needs:
        • Collections & Debt Recovery
        • Collections Analytics & Insightssmall desc
        • Collections Prioritization Strategiessmall desc
        • Regulatory Compliancesmall desc
        • Data & Skip Tracingsmall desc
        • Debt Portfolio Evaluationsmall desc
        • Omnichannel Collectionssmall desc
        • Solving for your business needs:
        • Customer Management
        • Account & Portfolio Monitoringsmall desc
        • Digital Transformationsmall desc
        • Partner with Experiansmall desc
        • Solving for your business needs:
        • Credit Decisioning
        • Credit Decisioning Toolssmall desc
        • Customer Acquisitionsmall desc
        • Credit Attributessmall desc
        • Credit Risk Scoressmall desc
        • Decisioning Softwaresmall desc
        • Instant Decisioningsmall desc
        • Loan Origination Softwaresmall desc
        • Solving for your business needs:
        • Data Reporting & Furnishing
        • Consumer Data Furnishingsmall desc
        • Commercial Data Reportingsmall desc
        • Solving for your business needs:
        • Data Sources
        • Automotive Market Data​small desc
        • Alternative Credit Data (Extended FCRA)small desc
        • Business & Commercial Credit Datasmall desc
        • Buy Now Pay Latersmall desc
        • Consumer Credit Report Datasmall desc
        • Customer Insightssmall desc
        • Fraud & Identity Datasmall desc
        • Marketing Datasmall desc
        • Open Bankingsmall desc
        • Third-Party Data Setssmall desc
        • Solving for your business needs:
        • Data Quality & Management
        • Data Managementsmall desc
        • Data Qualitysmall desc
        • Data Software Solutionssmall desc
        • Solving for your business needs:
        • Fraud Management
        • 1st Party Fraudsmall desc
        • 3rd Party Fraudsmall desc
        • Account Takeoversmall desc
        • Behavioral Analyticssmall desc
        • Bust Out Fraudsmall desc
        • Commercial Entity Fraudsmall desc
        • Identity Resolutionsmall desc
        • Global Data Breach Servicessmall desc
        • Risk Based Authentication​small desc
        • Synthetic Identity​small desc
        • Solving for your business needs:
        • Identity Solutions
        • Identity Resolutionsmall desc
        • Identity Managementsmall desc
        • Identity Verificationsmall desc
        • Customer Identity Protection​small desc
        • Solving for your business needs:
        • Marketing Solutions
        • Campaign Activation Solutionssmall desc
        • Credit Marketing Solutionssmall desc
        • Identity & Targeting Solutionssmall desc
        • Increase Customer Loyaltysmall desc
        • Marketing Datasmall desc
        • Measurement Solutionssmall desc
        • Solving for your business needs:
        • Regulatory Compliance
        • Regulatory Governancesmall desc
        • Regulationssmall desc
        • Solving for your business needs:
        • Risk Management
        • Automotive Vehicle Historysmall desc
        • Customer Risk Analyticssmall desc
        • Credit Risksmall desc
        • Fraud Risksmall desc
        • Model Risk Managementsmall desc
        • Portfolio Risk Managementsmall desc
    • Products
    • Industries
      • Advertising & Media
      • Automotive
      • Energy & Utilities
      • Financial Services
      • Healthcare
      • Insurance
      • Mortgage
      • Public Sector
      • Rental Property Solutions
      • Telecommunications
        • Solving your Automotive needs:
        • Automotive
        • Ad Agencies & Mediasmall desc
        • Affiliated Auto Industrysmall desc
        • Aftermarket Industrysmall desc
        • Auto Lenderssmall desc
        • Dealerssmall desc
        • OEMssmall desc
        • Solving your Financial Services needs:
        • Alternative Financial Servicessmall desc
        • Bankssmall desc
        • Commercial Financial Institutionssmall desc
        • Credit Unionssmall desc
        • Fintechsmall desc
        • Solving your Healthcare needs:
        • Healthcare
        • Hospitals & Health Systemssmall desc
        • Medical Groupssmall desc
        • Payerssmall desc
        • Pharmacies & Diagnosticssmall desc
    • Thought Leadership
      • Resources
      • Testimonials & Case Studies
      • Insights & Blogs
      • Preference Center
        • Insights & Blogs
        • Business Informationsmall desc
        • Commercial Insights Hubsmall desc
        • Data Quality Trendssmall desc
        • Employer Servicessmall desc
        • Experian Insightssmall desc
        • Healthcaresmall desc
        • Marketing Forwardsmall desc
        • Small Business Matterssmall desc
    • About Experian
      • About Experian
      • Specialized Services
      • Innovation at Experian
      • Company Information
      • Investor Relations
      • Careers
        • Business Information Servicessmall desc
        • Consumer Information Servicessmall desc
        • Data Breach Resolutionsmall desc
        • Experian Data Qualitysmall desc
        • Decision Analyticssmall desc
        • Employer Servicessmall desc
        • Experian Advisory Servicessmall desc
        • Marketing Servicessmall desc
        • Partner Solutionssmall desc
        • Big Datasmall desc
        • Experian Innovation Labsmall desc
        • Developer Portal & API Hubsmall desc
        • Experian Venturessmall desc
        • Corporate Fact Sheetsmall desc
        • Corporate Social Responsibilitysmall desc
        • Our Commitmentsmall desc
    • More...
      • Client Sign In
      • Automotive
        • AutoCheck
        • AutoCount
        • AutoCount Accelerate
        • Experian Marketing Engine
        • Velocity
      • Health
        • Claim Scrubber
        • ClaimSource®
        • Collections Optimization Manager
        • Compliance Manager
        • Contract Manager
        • Identity Verification
        • Medical Necessity
        • OneSource®
        • Order Manager
        • Patient Estimates
        • Patient Financial Clearance
        • Patient Schedule
        • Payer Alerts
      • Business Credit
        • Business Credit Reports
        • BusinesslQ
        • Small Business Credit
        • Smart Business Reports
        • Supplier Check Reports
      • Workforce Management
        • ACA Reporting
        • Compliance Library
        • I-9 Management
        • Pay Statements
        • Tax Credits
        • Tax Statements
        • Tax Withholding
        • Unemployment Management
        • Verification Fullfillment
      • Other
        • Audience Engine
        • Business Public Records
        • ContractorCheck
        • Experian Access
        • Experian Connect
        • Experian Data Quality
        • Experian Developer Portal
        • Mosaic Portal
        • Small Business Services
      • Automotive
          • AutoCheck
          • AutoCount
          • AutoCount Accelerate
          • Experian Marketing Engine
          • Velocity
      • Health
          • Claim Scrubber
          • ClaimSource®
          • Collections Optimization Manager
          • Compliance Manager
          • Contract Manager
          • Identity Verification
          • Medical Necessity
          • OneSource®
          • Order Manager
          • Patient Estimates
          • Patient Financial Clearance
          • Patient Schedule
          • Payer Alerts
      • Business Credit
          • Business Credit Reports
          • BusinesslQ
          • Small Business Credit
          • Smart Business Reports
          • Supplier Check Reports
      • Workforce Management
          • ACA Reporting
          • Compliance Library
          • I-9 Management
          • Pay Statements
          • Tax Credits
          • Tax Statements
          • Tax Withholding
          • Unemployment Management
          • Verification Fullfillment
      • Other
          • Audience Engine
          • Business Public Records
          • ContractorCheck
          • Experian Access
          • Experian Connect
          • Experian Data Quality
          • Experian Developer Portal
          • Mosaic Portal
          • Small Business Services

      White Paper

      Unlocking the Equity Era: Why 2025 is the Year of the HELOC

      Published July 1, 2025

      Mortgage Advanced Analytics & Modeling Data Sources Marketing
      Unlocking the Equity Era: Why 2025 is the Year of the HELOC

      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.

      Complete the form to access the white paper

      This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

      Thank you for your interest

      Your free Experian resource is now available. Enjoy!

      Related resources

      Infographic

      05 August 2025

      Smarter lending starts with greater visibility

      Experian and Plaid have teamed up to power smarter, more inclusive lending.

      Read our one pager to discover how the new integration helps you:

      • Sharpen risk assessments
      • Uncover new growth opportunities
      • Increase approval rates
      Infographic

      29 July 2025

      Harness the power of cashflow data

      Smarter lending starts with greater visibility.

      Read our one pager to discover:

      • Why leveraging cashflow data is imperative in today's modern lending environment   
      • The types of financial behaviors cashflow data reveals
      • The benefits of leveraging cashflow data
      eBook

      14 July 2025

      Experian's guide to navigating the prospecting landscape

      To strategically market your credit products, you’ll need to connect and engage with qualified consumers, but finding and pitching to them isn’t always easy.

      Read our e-book to discover:

      • Key market trends: Understand why your current prospecting strategy needs to be refined.    
      • Strategic channels: Explore the most effective methods to locate and engage ideal customers.
      • New approaches to campaign optimization: Learn how to quickly create and manage your campaigns across multiple channels.
      Webinar

      27 June 2025

      Innovation for Changing Market Dynamics Webinar

      Join our speakers Ankit Sinha and Erin Haselkorn to discover how Experian’s AI solutions help financial institutions accelerate the modeling lifecycle, integrate efficient feature deployment, and achieve regulatory compliance.

      Learn from our experts about:

      • New automation in model building and deployment
      • Model governance and compliance
      • Innovative ways to leverage data throughout the customer lifecycle
      • Legal Terms & Conditions
      • Privacy Center
      • U.S. Data Privacy Policy
      • Ad Choices
      • Press
      • Careers
      • Investor Relations
      • Contact Us
      EXPERIAN'S INCLUSION AND BELONGING Learn more how Experian is committed
      DATA PRIVACY Your privacy choices

      ©2025 Experian Information Solutions, Inc. All rights reserved.

      Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian. Other product or company names mentioned herein are the property of their respective owners.