Analysis and Data

Home equity and purchase lending lifted production economics, while management characterized its relaunched wholesale channel as a supporting business rather than a major growth engine

Principal-and-interest payments reached $1,522 for lower-payment purchase applicants in June, just $9 below the national median asking rent

One in five listings had a price reduction in July, while pending sales increased for the eighth consecutive month

Pending sales fell to their lowest level since early April, but lower asking prices and reduced competition give originators more options to structure deals for qualified borrowers

Younger teachers, health care workers, first responders, and military households can afford median-priced homes in only a fraction of major metros

Price cuts and longer listing times are creating opportunities for loan officers to help borrowers negotiate seller concessions, but leverage varies sharply by metro

The GSE financed 201,000 home purchases, while appraisal alternatives pushed estimated borrower closing-cost savings to $3 billion

Vacation-home mortgages rose 4.1% in 2025, led overwhelmingly by affluent borrowers

FICO 10T enrollment tops 70 lenders while VantageScore 4.0’s presence in TransUnion mortgage credit pulls jumps from less than 5% to roughly 30%

Annual appreciation reached its highest rate since August, but prices varied sharply by market and buyer segment