White Paper
Published July 1, 2025
Mortgage Advanced Analytics & Modeling Data Sources Marketing
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.
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Report
State of Fintech 2025: Trends, Risks & Growth Strategies
The fintech landscape is evolving rapidly—and 2025 is a pivotal year. Experian’s State of Fintech 2025 Report delivers exclusive insights into the market forces, consumer behaviors, and credit trends shaping the future of financial services. Learn how leading fintechs are adapting and where the next wave of growth is emerging.
In this report, you’ll discover:
- How fintechs are regaining market share in unsecured personal loans
- The impact of rising delinquencies and student loan repayments
- What Gen Z and Millennial borrowers expect from digital lenders
- 7 strategic imperatives to scale responsibly in a volatile market
Case Study
Leveraging cash flow data across diverse borrowers
Our use cases share real-world examples of how cash flow insights help grow portfolios responsibly while expanding credit access. Explore scenarios across borrower types, including:
- Gig workers and freelancers with fluctuating income
- Small business owners with nontraditional cash flow patterns
- Thin-file and new-to-credit consumers lacking traditional credit history
- Subprime borrowers demonstrating positive financial behavior
Case Study
Terrace Finance Behavioral Analytics
Terrace Finance sought out a solution to stay ahead of evolving fraud attacks. They landed on NeuroID’s behavioral analytics — and gained immediate, pre-submit visibility that upgraded their fraud prevention strategy.
Key Results:
- 50+ reduction in manual reviews
- Reduced fraud for lending partners by over 50%
- $250K in potential losses prevented in a single attack