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Analysis and Data
Coming Up:
New Salvo in Credit Score Wars
VantageScore claims its 4.0 model beats FICO Classic across varying economic environments
Mortgage Applications Slip As Rates Edge Up; VA Loans Lead Decline
Refi share eases, FHA refinances gain ground while purchase activity holds steady
Not A Decline But A Rise In Single-Family Housing Starts In July
Amid expectations for a slowdown, data offers a glimmer of momentum, but challenges persist
Montana, Wyoming Are Million-Dollar States
Steep housing costs may not be where you expect; some states offer much more affordability
Study Pinpoints Local Housing Deficits
Finds housing issues are hyper-localized within cities themselves, and by particular income categories
Mostly First-Timers Benefit from PMI
PMI supported nearly $300B in mortgages last year and bucks other homeownership add-on cost trends with 25% premium decline since 2017
Originations, Refinances, Home Equity Loans All See Gains
Originations climb 5% YoY in Q1 2025 thanks to 44% refi leap, while home equity market sees strongest growth in three years
Non-Conforming Loans Surge, Led By Record Non-QM Share
Originators finding more opportunities in investor-driven and self-employed borrower segments
Mortgage Applications Surge On Rate Drop, Refinance Activity Reaches April High
Refi apps claim largest portion in months as ARMs see 25% spike
Some Buyers Bet the House
With prices high and getting higher, homebuyers are purchasing — and hanging hopes on refi soon