Analysis and Data

Coming Up:
Higher Mortgage Rates Shrink Purchase Demand, Expand Buyer Leverage

Pending sales fell to their lowest level since early April, but lower asking prices and reduced competition give originators more options to structure deals for qualified borrowers

Analysis and Data
Even Stable Public-Service Careers No Longer Guarantee Homeownership

Younger teachers, health care workers, first responders, and military households can afford median-priced homes in only a fraction of major metros

Analysis and Data
Buyers Gain Negotiating Power In 41 Major Housing Markets

Price cuts and longer listing times are creating opportunities for loan officers to help borrowers negotiate seller concessions, but leverage varies sharply by metro

Analysis and Data
Fannie Mae Purchase Volume Jumps 33% In Second Quarter

The GSE financed 201,000 home purchases, while appraisal alternatives pushed estimated borrower closing-cost savings to $3 billion

Analysis and Data
Second-Home Lending Grows Faster Than Primary-Home Market

Vacation-home mortgages rose 4.1% in 2025, led overwhelmingly by affluent borrowers

Analysis and Data
Credit Score Battle Picks Up Speed With FICO, VantageScore Gains

FICO 10T enrollment tops 70 lenders while VantageScore 4.0’s presence in TransUnion mortgage credit pulls jumps from less than 5% to roughly 30%

Analysis and Data
Home Price Growth Accelerates As Inventory Gains Slow

Annual appreciation reached its highest rate since August, but prices varied sharply by market and buyer segment

Analysis and Data
Homebuyer Assistance Programs Reach Record High As Grants Expand

Down Payment Resource identified 2,746 programs nationwide, although only 77% were active and funded at the beginning of July

Analysis and Data
Half Of Recent Buyers Say Their Mortgage Is Unsustainable Without A Refi

Truework finds 85% consider refinancing important to their financial health, revealing a highly motivated but financially vulnerable future borrower pool

Analysis and Data
Gen Z Drives 19% Of Purchase Inquiries With Just 10% Down

LendingTree data shows millennials dominate mortgage shopping and match baby boomers’ $65,000 median planned down payment

Analysis and Data