Analysis and Data

Survey: Elevated Mortgage Rates Remain Home Builders’ Primary Challenge

High mortgage rates, buyer hesitancy, and persistent labor and lot shortages remain the top concerns for home builders, according to a new survey from the National Association of Home Builders

Analysis and Data
January Foreclosures Jump 32% YoY

Foreclosure filings rose 32% year-over-year in January, marking the 11th consecutive monthly annual increase, as higher rates and affordability pressures drive localized mortgage stress, though overall volumes remain well below historic crisis levels

Analysis and Data
Survey Finds Borrower Confusion Persists As Escrow Costs Climb

LERETA examined how many homeowners misunderstand the ways in which escrow works, leaving them vulnerable to surprise payment increases as property taxes and insurance premiums rise

Analysis and Data
Freddie Mac Reports $2.8B Q4 Net Income, Posts $10.7B For 2025

The GSE reported $2.8 billion in fourth-quarter net income and $10.7 billion overall for 2025, as lower non-interest income and higher credit provisions tempered earnings despite stable credit performance, portfolio growth, and expanded affordable housing

Analysis and Data
Singles Facing Significantly Greater Housing Cost Burden Than Married Couples

A Redfin-commissioned survey finds single Americans are significantly more likely than married couples to struggle with housing costs, underscoring the financial strain of relying on a single income in today’s high-priced market

Analysis and Data
End Of FHA Relief Programs Contributes To Uptick In Q4 Delinquencies

Mortgage delinquencies nationwide rose to 4.26% in Q4 2025, with FHA loans driving the increase amid expiring relief measures and uneven labor market conditions

Analysis and Data
Fannie Mae Reports $3.5B In Q4 Earnings And $14.4B Net Income for 2025

Fannie Mae posts $14.4 billion in full-year 2025 earnings, strengthening its capital position while providing $409 billion in mortgage market liquidity

Analysis and Data
Steady Buyers, Surging Refis, And Smarter Lending: The 2025 Mortgage Picture For The Lone Star State

As Texas homebuyers and homeowners adjusted to shifting interest rates, regulators are turning their attention to a new challenge: governing the rise of artificial intelligence in mortgage lending

Analysis and Data
Texas Housing Market Weakens As 2026 Begins

Texas housing entered 2026 on softer footing, with sales down 8% year-over-year, inventory climbing above balanced-market norms, and price pressures emerging across several major metros despite steady statewide median values

Analysis and Data
Rent-Buy Income Disparity Tightens

Homebuyers still need to earn about $35,000 more than renters to afford a median-priced home, but easing mortgage rates, slower price growth and rising wages have narrowed the affordability gap to its smallest level in three years

Analysis and Data