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Mortgage Research & Data

Comprehensive analysis of mortgage markets, housing trends, and demographic insights. Our original research covers millions of mortgage applications, providing data-driven insights for homebuyers, researchers, and industry professionals.

Featured Research Studies

Our most comprehensive and impactful research studies, analyzing millions of mortgage applications to provide data-driven insights for homebuyers, researchers, and industry professionals.

97.6M+ applicationsUpdated regularlyMedia cited
Affordability

Cheapest States to Buy a House in 2026: All 50 States Ranked

We ranked all 50 states by housing affordability using payment ratios that account for both home prices and local incomes. This shows where your dollar stretches furthest for homeownership.

Payment Ratios By State, 2025
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Key Findings:
  • •California housing payments require 2.3x more monthly income than Iowa.
  • •Midwestern states dominate the top 10 cheapest states.
  • •Coastal states account for 7 of the 10 most expensive states to live.
Updated Mar 3, 202650
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Demographics

Home Buyer Statistics by Age: Gen Z, Millennials, Gen X & Boomers (2025)

We analyzed 11+ million mortgage applications to understand how different generations approach home buying. This study reveals loan amounts, preferences, and market behavior across age groups.

Home Purchases by Age Group (2024)
Key Findings:
  • •Comprehensive analysis across Gen Z, Millennials, Gen X, and Baby Boomers
  • •Older generations take larger loans but have different market preferences
  • •Gen Z buyers average $280,000 loans while Baby Boomers average $450,000
Updated Nov 3, 202511M+
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Demographics

Find Your City: Best Places for Young Adults by Politics & Opportunity

We analyzed 387 metropolitan areas to find the best cities for young adults and professionals. This study ranks cities by income, jobs, community, and quality of life factors.

Top 5 Cities For Starting Your Life
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Key Findings:
  • •Fargo, ND is the top "Very Republican" city with strong job markets and low costs.
  • •Hartford, CT is the top "Centrist" city for young professionals seeking political balance.
  • •Bozeman, MT ranks #1 overall with the largest young population and strong job options.
Updated Nov 1, 2025387
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Demographics

Fair Lending Statistics: Approval Rates, Income & Demographics (2025)

Analysis of 7.77 million mortgage applications showing how approval rates, loan amounts, and fees vary by race, ethnicity, age, and gender. Reveals demographic disparities in mortgage lending.

Mortgage Applications by Year
Key Findings:
  • •Americans submitted 7.77 million mortgage applications in 2024
  • •Lenders approved 81.00% of mortgage applications in 2024
  • •Asian home buyers had the highest approval rate at 90.14%
Updated Oct 12, 20257.77M
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More Homebuyer.com Research & Studies

Market Analysis

Popular Vacation & Second Home Zip Codes: 2024 Analysis

We analyzed the most popular vacation and second home ZIP codes for 2024, identifying market trends and investment opportunities. This study reveals where buyers are investing in vacation properties.

Top 5 Vacation Home Markets
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Key Finding:
27 states have at least one ZIP code with 50% vacation buyers
Updated Nov 19, 202539
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Market Analysis

Mortgage Market Statistics: Rates, Loan Types & Lender Rankings (2025)

We compiled comprehensive mortgage statistics for 2024, analyzing loan volume, rates, and market trends. This study provides detailed insights into the current mortgage landscape.

2024 Loan Types
Key Finding:
Conventional mortgages account for 69.2% of all purchase loans
Updated Oct 11, 202569.2%
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Market Analysis

Mortgage Rate Winning and Losing Streaks: 54 Years of History

We analyzed 54 years of weekly mortgage rate data (1971-2025) to identify patterns in rate movements. This study reveals how often rates rise and fall in streaks and the economic conditions that drive extended trends.

Frequency of Mortgage Rate Win Streaks Since 1971
Key Finding:
47 instances of 9+ week consecutive rate movements since 1971
Updated Sep 18, 202547
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Market Analysis

2024 Mortgage Rates: A 4.25% Forecast

We analyzed 4,000 days of mortgage rate data to forecast 2024 trends. This study predicts rates near 4.25% by summer and identifies key factors that will impact mortgage rates throughout the year.

2024 Rate Forecast
Key Finding:
Mortgage rates are expected to decrease in 2024
Updated Jul 23, 20254.25%
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Our Research Methodology

Data Sources

  • HMDA Data: Federal Financial Institutions Examination Council (FFIEC) mortgage application data
  • FRED Data: Federal Reserve Economic Data for housing market trends
  • Census Data: U.S. Census Bureau demographic and economic data
  • Real Estate Data: MLS and public property records

Analysis Standards

  • Privacy Protection: All personally identifiable information removed
  • Statistical Rigor: Advanced database queries and mathematical analysis
  • Quality Assurance: Outlier removal and data validation processes
  • Transparency: Detailed methodology sections in each study

For Media & Researchers

Citation Guidelines

Our research is designed to be cited and shared. Please use proper attribution when referencing our studies.

Example Citation:
"HMDA Mortgage Statistics: 2024 Data Analysis," Homebuyer.com, July 23, 2025, https://homebuyer.com/research/fair-lending-statistics

  • • Include study title and publication date
  • • Link to the original research page
  • • Credit Homebuyer.com as the source
  • • Contact us for high-resolution charts and data

Media Contact

Our research team is available for interviews, expert commentary, and custom analysis requests.

press@homebuyer.com
(555) 123-4567
Response within 24 hours

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