The U.S. housing market is shifting. Affordability pressures, changing credit dynamics, rising homeownership costs, and uneven equity growth are reshaping consumer behavior and lender strategy. In this webinar, Experian Housing data scientists and industry experts share early insights from the upcoming 2026 State of Housing Report, examining how market, credit, and property-level factors intersect—and what they mean for acquisition, servicing, portfolio health, and long-term growth.
Attendees will learn how trends in mortgage originations, affordability, home equity, consumer credit stress, and renter sentiment are influencing the future of lending. The session also highlights how modern tools – such as VantageScore 4.0, alternative data (including positive rental payments), and Cash Flow Attributes – can support more inclusive and resilient lending strategies.
What you’ll learn:
- Major U.S. mortgage market trends, including originations, HELOC activity, tap-able equity, buyer/seller dynamics, and regional differences.
- Affordability pressures beyond the mortgage payment, such as rising taxes, insurance premiums, and HOA fees, and how they affect borrower stability
- Home equity distribution and utilization patterns, including generational differences, HELOC usage, and end-of-draw exposure risks.
- Consumer credit performance and property-level risk indicators, including CLTV shifts, aging housing stock, flood-risk exposure, and tax delinquencies.
- Renter sentiment and macroeconomic signals, particularly the growing readiness of Gen Z and Millennials to purchase homes in the next four to eight years.
- How alternative data and VantageScore 4.0 expand scorable populations, improve risk assessment, and help lenders serve emerging homebuyers more inclusively.
In partnership with: Experian
Watch now:
Stay tuned for the on-demand version of this webinar!
Featuring industry experts:
Manjit Sohal
VP of Product Management,
Experian
Upavan Gupta
Head of Analytics and Data Science
Experian
Resources:
