Experian Mortgage Loan Performance Dataset + Snowflake Cortex

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

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

Consumer financial behavior is changing between traditional lending checkpoints. See how continuous underwriting can improve visibility into risk and opportunity.

• Understand why Gen Z may be under-observed, not higher risk.
• See why secured-to-unsecured graduation merits closer monitoring.
• Explore a three-stage maturity model for signal-driven decisioning.

Read the latest State of Fintech Report to see strategy playbook fintechs are implementing in 2026 and beyond. Key insights include:

• How fintech leaders are balancing growth, fraud risk and portfolio performance
• Why data strategy is becoming a competitive advantage in credit decisioning
• How identity, credit and behavioral signals are enabling smarter lifecycle decisions
• Practical actions fintech organizations can take to grow with confidence in 2026