Analysis and Data

Down Payment Resource identified 2,746 programs nationwide, although only 77% were active and funded at the beginning of July

Truework finds 85% consider refinancing important to their financial health, revealing a highly motivated but financially vulnerable future borrower pool

LendingTree data shows millennials dominate mortgage shopping and match baby boomers’ $65,000 median planned down payment

Credit-score pricing contributed heavily to the increase, while exclusive VantageScore use remained limited

J.D. Power finds better digital service, fee transparency, and issue resolution are strengthening trust while homeowners face mounting financial pressure

Redfin’s index rose 3% annually in June, with luxury demand and limited move-in-ready inventory supporting prices despite elevated mortgage rates

TMC survey finds lenders are looking to current sales teams, experienced recruits, and lower production costs to drive second-half growth

Contract signings fell 5.4% from May as elevated borrowing costs and record home prices continued to pressure affordability, particularly for first-time buyers

Realtor.com finds short-sale activity accelerating, though the transactions represented just 0.6% of typical home sales in 2025