Tagged: analysis

Median reported equity ranged from $130,000 to $425,000, giving loan originators a state-level view of borrowers’ potential second-lien capacity

Critical defect rate jumps 23.9% as math-based compliance findings expose the potential for one systemic error to affect loans across a lender’s book

Contract signings fell in every region during July, leaving purchase activity 30% below its 2019 level despite a larger workforce

Cash transactions fell faster than the broader housing market in early 2026, but buyers without financing still accounted for nearly one-third of home sales

Prices fell 2.9% in Austin but rose 6.4% in Chicago, showing weak purchase demand is producing local corrections rather than a national one

July sales declined 4.1% as affordability squeezed buyers nationally, builder competition slowed Texas markets, and job insecurity weakened demand in Seattle

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

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

Three policymakers favored an immediate hike, while Warsh welcomed higher bond yields and offered no clear path toward mortgage-rate relief

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