• Research Brief | June 17, 2022

    Housing Sentiment in the Second Quarter of 2022

    In the second quarter of 2022, market confidence in the housing market has reached its lowest point since the onset of the pandemic. More

    Confidence in the housing market at 2Q 2022 is the lowest its been since the start of the pandemic
  • Research Note | June 9, 2022

    What Drove Home Price Growth and Can it Continue?

    Home prices, the best single indicator of whether market conditions favor buyers or sellers, jumped 33% nationally over the past two years. What is behind the strength of the housing market, and can it continue? More

    202204 Note Home Prices Ex01
  • Research Brief | May 23, 2022

    Majority of Aging Adults Likely to Age in Place

    Financial gains made by U.S. adults age 55 and older has made them more confident for retirement, and the two-thirds who intend to age in place may be more financially equipped to do so. More

    Who has extra money to go beyond each payday
  • Research Note | May 10, 2022

    Racial & Ethnic Valuation Gaps in Home Purchase Appraisals - A Modeling Approach

    This Research Note builds on our previous Note published in September 2021 to report on a refined and expanded modeling approach that Freddie Mac adopted in the racial valuation gap context. Our first Note analyzed tract averages as little research existed on this important topic and we wanted to spark a discussion and receive feedback on our approach leading to subsequent work. This Note reflects much of the feedback we have received. More

    Exhibit 1: Ordinary least squares(OLS) results for the first research question
  • Research Brief | May 6, 2022

    Homebuyers in Coastal Florida Are Not Factoring Sea Level Rise Risk into Home Prices

    Our analysis showed that home prices in coastal Florida may not be taking into account the future risk of rising sea levels. More

    .5% price premium for homes at risk from sea level rise not within floodplains
  • Research Note | April 25, 2022

    Trends in Mortgage Refinancing Activity

    This Research Note covers recent developments in the U.S. mortgage market. We review trends in mortgage refinancing activity, including a detailed look at payment savings and equity extraction through cash-out refinances. We also examine recent trends in mortgage origination discount points and fees and close with a discussion of heterogeneity in the mortgage market. More

    U.S. single-family mortgage refinance originations (2021 U.S. dollars, billions)

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