Home Improvement Financing Insights

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This report examines how home improvement financing shapes homeowner and contractor behavior. It draws on HIRI's Quarterly US Homeowner Project Activity Tracker and Quarterly Contractor Business Sentiment Tracker to show where financing use is concentrated, where it lags behind project value, how it relates to project size, and impacts contractor revenue growth. Financial services members can use these findings to identify which homeowner segments, product categories, and contractor partners represent the clearest opportunity for a financing product.

Objectives

Compare homeowners who use financing against those who do not, across project spend, satisfaction, and net worth.

Assess whether contractors who arrange financing report stronger revenue growth and project success than those who do not.

Identify which product categories carry high project value but low financing use today.

Evaluate financing gaps between small and large contractors.

Examine how generation and net worth shape reliance on financing.

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HIRI Home Improvement Financing Insights Report PPT Sept 2026

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HIRI Home Improvement Financing Insights Report PDF Sept 2026

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