Analysis and Data

Housing, insurance, and utility costs pushed U.S. household bills to a record $5.03 trillion annually, consuming nearly half of the typical household’s income and underscoring ongoing affordability pressures nationwide

New home purchase mortgage applications rose modestly in January, highlighting steady buyer demand and the growing role of new construction in supporting originations despite ongoing affordability constraints

TransUnion forecasts mortgage originations will continue rising through 2026, as easing rates, improving affordability, and strong consumer demand support purchase activity and a gradual refinance recovery

A new Zillow forecast shows rent affordability improving to its best level in five years, as slowing rent growth, rising supply, and elevated vacancies provide tenants with more leverage and are expected to keep rent increases modest through 2026

Affordability in the Golden State edged higher in late 2025, as modest home price declines and easing mortgage rates improved buying power, though most households still remain priced out

Despite ongoing affordability and labor challenges, the National Association of Home Builders forecasts modest single-family construction growth ahead, supported by easing mortgage rates and continued demand for more attainable housing options

Florida Realtors reports the Sunshine State’s 2025 housing market showed modest single-family sales growth, rising inventory, and stabilizing prices, signaling a shift toward more balanced conditions

Florida’s housing market began 2026 with year-over-year gains in closed sales, pending contracts, and new listings, while median prices edged lower and inventory expanded, according to Florida Realtors

Rising crypto wealth pushes Non-QM lenders, like Newrez, to adapt

New research shows Federal Home Loan Bank liquidity doesn't just stabilize lenders — it translates directly into mortgage originations, small business loans, and community development funding