In this episode, Vadim takes a data-rich dive into the state of the U.S. housing market through the lens of dv01’s housing affordability and mortgage performance reports, which examines data from Black Knight, Fannie Mae, Philadelphia Fed, Census Bureau, and the FHFA.  The conversation centers on regional affordability, borrower behavior, and what rising mortgage counts reveal about demand.

📌 Highlights include:

• Florida’s insurance crisis: How a surge and recent decline in Citizens Insurance enrollment reflect shifting affordability conditions.
• Affordability's impact on prepayments: How high-cost regions are driving faster refis and shaping loan durations.
• Mortgage growth defies the odds: Despite high rates, mortgage counts are rising—pointing to strong first-time homebuyer activity.
• Home prices and inventory: The hidden floor under housing values, supported by equity, stable underwriting, and constrained supply.
• First-time buyers take the lead: Why new entrants are driving today’s market—and how their credit profiles are holding up.

Read the full reports referenced in this episode on dv01.

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