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Monthly payments for a starter home are unaffordable for median-income families in half of the 50 largest U.S. metros.

That figure is up from the previous estimate of 2.8%, according to the Bureau of Economic Analysis.

Residential loans increased 23% quarterly, but total residential lending activity is down 1.6% from Q2 2023 and down 61.2% from 2021's peak.

The typical homebuyer’s down payment was 18.6% of the purchase price in June, the highest level in over a decade

Refinance applications up 85% year-over-year

Despite year over year increases in all nine Census divisions, price appreciation is slowing overall

Consumer credit utilization decreased to 51.6% down from the prior month, hitting a new four-year low.