Analysis and Data

Rocket Mortgage data shows purchases involving older co-applicants have remained resilient

First American’s September report shows higher-end appreciation leading in most tracked markets, while starter-home prices continue climbing in several Midwest and Northeast metros

The modest decline trims borrower payments, while year-end forecasts above 7% leave LOs focused on deals already close to working

DPR’s Q3 report identifies 311 programs without income limits and 1,080 without first-time buyer requirements, though funded availability grew more slowly than the overall count

ATTOM puts the income needed to afford a median-priced home at $90,191 — roughly $10,700 above average wages, despite lower prices

Veterans United’s survey finds less willingness to hold out for lower rates, but little change in purchase timelines

With 30-year rates above 7% and nearly half of outstanding loans below 4%, originators face a stubborn obstacle to rebuilding repeat-buyer pipelines

Smaller investors accounted for 66.2% of investor purchases in the first half of 2026 and relied on cash much less often than mega-investors

September’s decline leaves originators competing for fewer purchases, while rising borrowing costs and limited new listings keep affordability under pressure

Voters want lower taxes, insurance costs, and mortgage rates, but 63% doubt the election will improve housing