Analysis and Data

The Mortgage Economic Review is a monthly summary of key economic indicators, data, and events pertinent to mortgage, housing, and finance professionals

Cotality data show U.S. home price growth slowing to 1% as the housing market enters 2026 on firmer footing, with easing rates and regional divergence shaping a more balanced outlook

January is the cheapest month to buy a home — saving buyers up to $23,000 compared to May, the priciest month of the year, according to a new LendingTree analysis

Zillow’s latest agent trends report shows online research now shapes most buyer and seller agent decisions, often before the first conversation occurs

ATTOM finds affordability strains, rising foreclosures, and elevated unemployment pushing several U.S. housing markets, led by inland California counties, into heightened downturn risk in Q3

Florida posted the nation’s priciest home sale in 2025 while also leading all states in average home value declines, underscoring a sharp split between ultra-luxury and the broader housing market

Home insurance premium growth slowed in 2025 as carriers regained rate adequacy and capacity, but record-high costs, rising deductibles, and tighter underwriting continue to pressure homeowners and shape the market heading into 2026

A report from Experian finds that nearly half of U.S. renters expect to be ready for homeownership within four years, with Gen Z and millennials leading optimism as modern credit tools incorporating rent payment data aim to help overcome affordability

Cooling price growth and a rising months’ supply are easing affordability pressures, pushing housing affordability to its strongest level since 2022 despite conditions remaining above pre-pandemic norms

Cotality’s analysis highlights how the 30-year fixed-rate mortgage structure has suppressed market turnover and differentiates housing dynamics from global peers