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Commercial Pulse Report 3-25-2025
Published March 25, 2025
Commercial Economic & Market Insights Fraud Management Commercial InsightsThis week’s Commercial Pulse Report from Experian reveals critical shifts in the economy for small businesses. Inflation eased slightly to 2.8%, and the Small Business Index ticked up to 41.5—signs of stabilization. But rising financial fraud remains a major concern. Also:
- 70% increase in fraud since the pandemic
- $40B in projected losses from AI-driven scams by 2027
- 46% of fraudulent SMB loan applications include signs of first-party fraud
Lenders are responding with AI-powered analytics and cross-industry collaboration to stay ahead of these threats.
Check out the full report to see how these trends could impact your strategy!
Commercial Pulse Update
Watch our summary of commercial highlights from the latest report.
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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
Infographic
The lifecycle of a scam
See how scams develop across five stages and where fraud teams may detect risk earlier.
- Understand targeting, grooming and trust-building tactics.
- Identify behavioral, device and payment warning signs.
- See how account takeover and value transfer can appear.
- Explore opportunities for earlier intervention.
Case Study
Leading consumer financial merchant case study
See how behavioral analytics strengthened post-login fraud detection.
- Learn how we integrated across 200+ ecosystem points.
- Discover how fraud detection increased 2X versus incumbent tools.
- Explore how connected signals exposed organized fraud rings.
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