Webinar
Published April 15, 2024
Mortgage Economic & Market InsightsAs interest rates stabilize, mortgage lenders need to be prepared for the pent-up housing demand. One of the keys to unlocking this potential lies with first-time homebuyers, a critical market segment that could significantly drive your growth strategy. As a lender, it's important to understand the unique needs and behaviors of these borrowers to effectively engage with them. We provide comprehensive insights to help you identify and target this demographic more successfully. Our data-driven approach can empower you to create tailored marketing strategies and financial solutions that resonate with first-time homebuyers. Leverage our insights to strategically position yourself in this competitive market and capitalize on the opportunities that lie ahead. Join us for a 60-minute webinar as our experts examine the results of our recent study on first-time homebuyers and share insights into best practices for capturing this demographic in 2024.
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Video
Used Cars Surge as Credit Tightens: The Auto Industry’s Balancing Act
As the automotive sector adapts to rising vehicle prices, shifting consumer behavior, and persistent inflation, the ripple effects are clearly visible in commercial credit activity. Experian’s latest Commercial Pulse Report (July 22, 2025) dives deep into the evolving credit dynamics within the auto industry—and one trend is clear: credit access is contracting across nearly every segment.
Check out the full report to see how these trends could impact your strategy!
Video
E-commerce is booming but fewer businesses seek credit
This week the Experian Commercial Pulse report focuses in on a fascinating paradox in the e-commerce industry that credit and risk management professionals should closely monitor. While online retail revenues continue their upward trajectory—now representing over 16% of total U.S. retail sales and generating quarterly revenues exceeding $300 billion—commercial credit inquiries from e-commerce businesses have declined by nearly 25% in the past year alone.
Check out the full report to see how these trends could impact your strategy!
White Paper
Unlocking the Equity Era: Why 2025 is the Year of the HELOC
This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.
Key Takeaways:
- $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
- Behavior Gap: Many consumers default to credit cards due to misconceptions about HELOCs.
- Smart Targeting: Use data to identify Revolvers and tailor offers that resonate.
- Digital Advantage: Compete with fintechs by streamlining approvals and closings.
Report
Q2 2025 Lending Conditions Chartbook
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.