Analysis and Data

With the Fed divided on future rate cuts, MBA projects modest growth, easing home price pressures, and improving origination volumes amid a cooling job market

Sluggish buyer demand pushed listings lower in November, while pending sales posted their steepest decline in nearly a year and homes took the longest to sell for any November in almost a decade

Realtor.com’s latest rent report shows rents falling for the 28th straight month, but finds that only a handful of major metros are affordable for full-time minimum wage workers, even as wage hikes begin to offer modest relief

Home sellers pulled back late in 2025, as seasonal trends returned and many opted to wait for stronger spring demand rather than list or cut prices

Nearly nine out of 10 mortgage brokers expect business growth in 2026, driven by refis, first-time buyers, and Non-QM loans, despite ongoing concerns about interest rates, housing prices, and economic conditions

Lower immigration projections through 2035 are expected to slow household formation, weaken renter and buyer demand, and reduce overall housing and mortgage origination volumes

The Urban Institute says innovative mortgage products like assumable, portable, or 50-year loans may improve mobility at the margins, but will not meaningfully improve affordability

Despite record apartment construction, HUD’s 2025 report finds that severe rent burdens continue to leave roughly 8.5 million very low-income renter households with “worst case” housing needs, underscoring that affordability remains a core challenge

A new analysis shows that while homeownership remains out of reach in most major U.S. cities, regions still offer renters an affordable path to buying

Cotality’s Q3 2025 Homeowner Equity Report shows U.S. borrower equity fell $373.8 billion year-over-year, negative equity rose to 2.2%, and regional gains and losses highlight growing vulnerability for leveraged homeowners