Report
Published June 23, 2025
Credit & Economic Trends Economic & Market Insights
While the US economy has so far avoided the worst-feared outcomes of higher tariffs, there remains significant uncertainty and concern over outlook, which is driving caution among lenders. In our just-released Q2 2025 Lending Conditions Chartbook, we break down the latest economic developments and do a deep dive into credit conditions across product segments, regions, and lender types. Key insights include:
- Unemployment remains low, but there are ongoing signs of softening in the labor market.
- Real incomes have improved somewhat after softening for most of 2024, which may continue to support consumer spending.
- The housing market continues to be constrained by high prices and interest rates, which are impacting affordability.
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Report
Q3 2026 Lending Conditions Chartbook
Explore economic conditions and consumer credit trends shaping the lending environment in Q3 2026.
- Economic and labor market indicators, inflation and interest rates
- Lending standards, credit demand and originations across major products
- Delinquency trends by product, borrower segment and lender type
Report
2027 State of the U.S. Housing Market Report
The U.S. housing market may begin to thaw in 2027, but improvement won't be universal. Changing affordability, borrower readiness, household finances and property-level costs will shape where opportunity emerges and who is positioned to act.
Experian's 2027 State of the U.S. Housing Market Report takes a closer look at the consumer, financial, and market signals behind these shifts, helping lenders look beyond national averages to understand where housing opportunity may be emerging, for whom, and under what conditions.
Inside the report
Explore the trends and data shaping the 2027 housing market, including:
- Mortgage demand and borrower readiness
- The true cost of homeownership
- Regional market conditions
- Household financial resilience
- Home equity and lending opportunity
- Renter sentiment and future demand
- Economic and consumer trends
Webinar
Reducing Mortgage Friction: How Income & Employment Verification is Evolving in 2026
In today’s competitive mortgage market, lenders are challenged to reduce origination costs, improve operational efficiency, and create a better borrower experience. This webinar explores how the Experian Verify Preview Report gives lenders visibility into employment and income record availability before ordering a full Verification of Income and Employment (VOIE) report. By providing transparency upfront, lenders can reduce unnecessary verification expenses, improve operational efficiency, and make more informed sourcing decisions.
What we’ll cover:
- How to determine record availability before ordering a full income and employment verification report
- Strategies for reducing unnecessary verification spending while improving operational efficiency
- Ways to improve borrower experience, accelerate loan processing, and reduce lender workload through smarter verification workflows
- How verification innovation supports broader mortgage automation and data-driven decisioning initiatives
Webinar
Commercial construction risk isn't generic. Your score shouldn't be either.
Most commercial risk models are designed to assess every industry. Construction operates by a different set of rules. Explore the data, research, and analytics behind Experian's first construction-specific score and learn how trade creditors can improve risk visibility, credit decisions, and portfolio performance.