Analysis and Data

Applications fell 5.7% annually in July, while government-backed mortgages accounted for half of builder-affiliated loan volume

The agency’s first nonperforming-loan offering in 13 months transfers 969 deeply delinquent mortgages to private buyers, including a small pool concentrated in Dallas-Fort Worth

Contract signings fell in every region during July, leaving purchase activity 30% below its 2019 level despite a larger workforce

Cash transactions fell faster than the broader housing market in early 2026, but buyers without financing still accounted for nearly one-third of home sales

Overall delinquencies dipped in the second quarter, but FHA serious delinquencies jumped 227 basis points from a year earlier as more troubled loans moved toward foreclosure

One-third of consumers say they would consider switching lenders over older scoring models, making underwriting technology a potential borrower-retention issue

Prices fell 2.9% in Austin but rose 6.4% in Chicago, showing weak purchase demand is producing local corrections rather than a national one

Consumer loan marketplace volume reached $4.3 billion as Figure Connect drove more production off the company’s balance sheet and helped lift adjusted margins to a record 55%

Consumer inflation rose just 0.1% in July, reducing pressure for a September Fed rate hike as mortgage rates remain near their highest levels of the year

The company points to trended data and tri-bureau consistency as approved lenders begin using greater credit-score choice