Session Description

What Comes Next For Rural Home Lending? An Economic Outlook on the Road Ahead for 2026 and Beyond

Wednesday, April 22, 202

11:15 p.m. - 12:15 p.m.

This presentation examines the evolving economic landscape shaping rural home lending as the market moves into 2026 and beyond. Drawing on trends in interest rates, inflation, labor markets, housing supply, and the overall financial health of the consumer, the session explores how shifting macroeconomic conditions are influencing borrower affordability, demand for housing, and risk across farm and non-farm rural communities. Attendees will gain insight into where risks and opportunities are emerging for rural lenders, including the implications of easing – but still elevated—borrowing costs, demographic shifts, and policy uncertainty. The discussion will conclude with practical takeaways to help lenders, credit teams, and leadership teams manage risk, and identify growth opportunities in a changing rural housing environment.

Learning Outcomes:

  1. Interpret key economic indicators shaping rural housing markets
  2. Identify emerging risks and opportunities for rural home lending
  3. Apply economic insights to lending and portfolio strategy