Housing and Economic Research
Original research and analysis on housing trends, the economy and the mortgage market
-
Research Brief | September 21, 2022
Housing Sentiment in the Third Quarter of 2022
In the third quarter of 2022, consumer’s confidence in the housing market and their likelihood to buy or refinance a home declined. More
-
Research Brief | September 8, 2022
Co-Borrowing Is on the Rise for First-Time Homebuyers
An increasing percentage of young first-time homebuyers are relying on support from older generations, including their parents, to afford a home. More
-
Research Brief | August 22, 2022
How Higher Prices Have Changed Housing Costs, Consumer Spending Plans
In the past 12 months, rising inflation has impacted consumers’ household spending, rent prices and future financial plans. More
-
Research Brief | August 17, 2022
What Do Borrowers Do When a Mortgage Application Is Denied?
Although the housing finance industry may understand the basic denial causes, discovering how applicants respond after a denial can inspire potential solutions to increase the pool of approved applications going forward. More
-
Research Note | August 4, 2022
Freddie Mac First-Time Homebuyer Affordability Map: A Novel Approach to Measure Affordability for Future Borrowers
In this research, we propose a new methodology to evaluate the local affordability for future borrowers based on their credit characteristics and income distribution. For a given metro area, our First-Time Homebuyer Affordability Map calculates the share of "Mortgage Ready" renters that have enough income to purchase a home bought by a recent first-time homebuyer. More