Leisure and Hospitality Resilience and Recovery

In this HousingWire interview, Experian’s Michele Bodda explains how modern credit scoring, alternative data and verification tools are reshaping mortgage underwriting. She discusses using rental and buy now, pay later payment histories to give lenders a fuller view of borrowers with thin traditional credit files. Bodda outlines ways to access credit data when needed, reduce repeat costs and improve income and employment verification. More efficient lending and broader access to homeownership.

Explore credit card market trends through Q2 2026, including changes in originations, issuer performance and consumer segments.

• Track secured and unsecured credit card growth.
• Compare national banks, regional banks, credit unions, fintechs and subprime issuers.
• Examine origination trends by credit score and generation.

In this episode of the Chrisman Commentary, we explore why income and employment verification are reaching a turning point for mortgage lenders and borrowers alike. Ryan Rosales discusses how new data sources, including Experian Verify’s integration with Workday, are helping move the industry beyond the traditional choice between a few verification providers and cumbersome manual documentation. Tune in to hear how greater competition, expanded data coverage, real-time verification, and a more open ecosystem could reduce borrower friction, lower lender costs, and potentially reshape the future of mortgage origination. 

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