Analysis and Data

A combination of the recent easing in mortgage rates that has begun to open the refinance window for many borrowers, and homeowners with record amounts of equity, are trends driving opportunities for borrowers to leverage refis and equity products

FHFA Director hints that the Trump administration is working on a new mortgage term to increase homeownership and combat affordability

Nearly half of Americans said they are less likely to make a major purchase like a home due to the ongoing federal government shutdown, a share that has doubled over the past month, rising from 21% in early October to 45% in early November

NAR reports that housing markets in the supply-constrained Northeast and more affordable Midwest experienced stronger price appreciation in the third quarter of 2025

With the first baby boomers set to turn 80 in 2026, senior housing demand is nearing a historic inflection point, and a combination of limited new supply, evolving care models, and changing consumer expectations is pushing occupancy to record highs

An analysis of domestic migration data shows high-flood-risk counties lost nearly 30,000 more residents than gained last year, driven largely by outflows from Miami and Houston

In its mid-year report, Realtor.com finds that investors are paying up to 35% above the median home sales price, as typical buyers have pulled back amid affordability challenges

Raisin's “2025 State of Homebuying Report” reveals that 96% of Americans planning to buy face significant challenges, with affordability emerging as the top obstacle, as the average buyer must save for six years in order to afford a downpayment

NAR has found that the share of first-time homebuyers has contracted by 50% since 2007, as affordable inventory continues to run scarce for those just entering the market

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