Q1 2022 Experian/Oxford Economics Main Street Report

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.

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

The right data, in the right order is helping collections teams improve recovery across their portfolio. In our latest tip sheet, learn how to:

• Screen accounts for special handling before outreach 
• Prioritize accounts by recovery and payment likelihood 
• Improve contact strategies with current identity data 
• Scale recovery with reusable workflows and custom strategies

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