CreditKarma

New research finds affordability remains the biggest obstacle, but many future buyers also misunderstand how credit affects mortgage eligibility and pricing

Rocket adds same-business-day conditional approvals and a 12-business-day clear-to-close commitment on conventional purchase loans

Historical loan-level datasets covering 2013-2025 let market participants evaluate the next-generation credit model using actual GSE mortgage performance.

Interest-rate-sensitive consumers remain open to refinancing opportunities while Gen X reports the strongest affordability pressures

Independent analysis lands as FHFA pushes multi-model future, raising stakes for lenders weighing adoption

Diverging borrower profiles reshape risk, underwriting, and pipeline outlook as new credit scoring models loom