Industry data, research & reports for lending leaders

Uncover trends in the housing market, economy, demographics, and more

The mortgage industry is constantly changing. Savvy mortgage lending leaders know that being proactive instead of reactive can mean the difference between surviving and thriving as an institution. These reports, research, data and forecasts from around the mortgage industry can help mortgage leaders:

  • Identify potential risks and challenges ahead
  • Uncover trends that will impact the mortgage finance business
  • Understand demographic shifts

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Federal Housing Finance Agency (FHFA) 

As the prudential regulator of Fannie Mae, Freddie Mac, and the home loan bank system, the FHFA produces several reports that provide insights into trends within the GSEs’ programs and business relating to home prices, foreclosure activity, guarantee fees, credit risk transfer and others. These reports will point you to key information you could use to more deeply understand how these trends may impact the mortgage finance business.

FHFA House Price Index

Using data on tens of millions of home sales, offers insights about house price fluctuations at national and local levels

Annual Housing Report

Describes the affordable housing activities of the GSEs

Data & Research

Downloadable data sets, reports, dashboards and more

Mortgage insurance trends 

U.S. Mortgage Insurers (USMI) regularly releases market data on private mortgage insurance utilization by state, MI Credit Risk Transfer and more.

MI by State

See data by state for how many households purchased a home using MI last year and an analysis of how long it would take homebuyers to save for a 20% down payment compared to a 5% down payment

Credit Risk Transfer

Learn more about MI-CRT and its role in bringing more sources of private capital to the housing market

Homeownership Market Survey

Understand the public’s perceptions of the market and homebuying

Depository institution prudential oversight

The federal agencies that oversee the nation’s banks and credit unions periodically publish information that provides insights into depository trends and regulatory changes. Additionally, the Federal Reserve which oversees the Federal Markets Committee, which sets the nation’s interest rates, is a primary source of information of the nation’s markets direction.

Office of the Comptroller of the Currency (OCC) Seminannual Risk Perspective

Addresses key issues that pose threats to the safety and soundness of banks and their compliance with applicable laws and regulations

OCC Newsroom

Includes news releases, bulletins and advisory letters

Federal Deposit Insurance Corporation (FDIC) Quarterly Banking Profile

Includes data on bank earnings, loan and deposit activity, asset quality and more

Federal Reserve Financial Stability Report

Summarizes the framework for assessing the resilience of the U.S. financial system and presents the Board’s current assessment

Federal Reserve Monetary Policy Report

Report on "the conduct of monetary policy and economic developments and prospects for the future" submitted semiannually to the Senate Committee on Banking, Housing, and Urban Affairs and to the House Committee on Financial Service

Federal Reserve Beige Book

Summary of Commentary on Current Economic Conditions by Federal Reserve District

Federal Reserve FEDS Notes

Articles by the staff of the Federal Reserve Board on a range of topics in economics and finance

National Credit Union Administration (NCUA) Quarterly Credit Union Data Summary

A quarterly listing of summarized accounts collected from all federally insured credit unions

NCUA Supervisory Priorities and other credit union guidance

Guidance to the credit union system on regulatory and supervisory matters, trends and potential risks

Depository institution prudential oversight

Sources of U.S. economic indicators

Make informed decisions by staying on top of statistics that provide insight into the health and direction of the economy.

Federal Reserve Bank of St. Louis (FRED)

(FRED)

Economic data on interest rates, banking, home prices, employment, and more

New residential construction

U.S. Census Bureau data on new residential construction

New residential sales

U.S. Census Bureau data on new residential sales

Key industry analytics

Several private sector mortgage industry participants regularly produce insightful research and analytics that provide insights into current market trends.

S&P Cotality Case-Shiller U.S. National Home Price NSA Index

Composite of single-family home price indices for the nine U.S. Census divisions, calculated monthly

Cotality insights

Insights on property market economics, affordability, climate resilience and mitigation, housing regulation and more

ICE Mortgage Monitor data reports

Repository of loan-level residential mortgage data and performance information

Zillow research

Includes their Home Value Index and Observed Rent Index

Redfin Data Center

Includes their Home Price Index, data on housing activity, home purchase cancellations, financing trends and more

Optimal Blue Market Advantage Report

Analysis of real-time rate lock data from the Optimal Blue® PPE, covering about one third of U.S. mortgages

Moody’s Analytics

Mortgage Performance, CRE & Housing Analytics (requires subscription)

Recursion

Company- and loan-level data compiled from industry sources (paid tools)

Key industry analytics

Housing market demographics

Harvard University Joint Center for Housing Studies produces the annual State of the Nation Housing report and additional research providing mortgage market participants perspectives on how demographics will shape future housing markets.

Read more

Housing & mortgage industry trade groups

Mortgage lender and real estate industry trade groups represent important cohorts in the housing industry. They routinely produce important forecasts and analytics to better understand trends in mortgage lending and homebuying and weigh in on discussions shaping housing policy.

Mortgage Bankers Association

Research on mortgage applications, delinquencies, credit availability and more

National Association of Realtors

Research and statistics on housing affordability, existing and pending home sales, buyer & seller profiles and more

National Association of Home Builders (NAHB)

Housing Market Index (HMI), forecasts and more

Community Home Lenders of America (CHLA)

White papers and other resources on Gen Z homeownership, LO compensation and more

American Bankers Association (ABA)

News and research on financial services and economic trends

Independent Community Bankers of America (ICBA)

Advocacy and trends in community banking

America's Credit Unions

Economic updates, dashboards, calculators and more (requires membership)

Realtor.com

Data visualizations of national and local trends, Residential Real Estate Data Library based on MLS-listed for-sale homes, and more

ACUMA

Analysis of HMDA data via their Benchmark Reports (requires subscription)

National Council of State Housing Agencies (NCSHA)

Housing research and analysis, including white papers and reports

Housing Policy Council (HPC)

Policy briefs & regulatory comment letters

Housing & mortgage industry trade groups

Think tanks

Based in the Beltway, these think tanks produce research and provide forums for discussion relevant to key trends and topics in the mortgage and housing finance industry.

Housing Finance at a Glance Chartbook

Monthly mortgage and housing data from the Urban Institute Housing Finance Policy Center (HFPC), including housing credit availability, serious delinquency rates, and mortgage insurance activity

Housing Credit Availability Index

This index from the Urban Institute Housing HFPC measures the percentage of owner-occupied home purchase loans that are likely to default

American Enterprise Institute (AEI) Housing Center

Tracks housing market indicators including home prices & supply, default rates, new construction, first time homebuyer affordability and more

Brookings Institution

Housing & mortgage policy research

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