Fannie Mae conducts and shares various types of research to help industry partners and market participants target our collective efforts to support the housing recovery.

Consumer Research & Analysis

Featured Consumer Research & Analyses

Fannie Mae conducts and shares various types of research using our primary consumer data collected through the National Housing Survey and other methods to help support the housing market and lay the foundation for a better housing finance system.

What Do Consumers Know About The Mortgage Qualification Criteria?
December 10, 2015
Despite easing credit standards, improving labor markets, and consumers’ continued strong aspiration to own a home, the homeownership rate remains at a low level. This situation has prompted policymakers, regulators, and industry participants to examine the challenges facing consumers when trying to get a mortgage. In this study, the Economic & Strategic Research (ESR) Group addresses misperceptions that consumers may have about the requirements to qualify for a mortgage.
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Are Mortgage Lenders Missing Out on Mobile Opportunities?
October 30, 2015
Although consumers widely and increasingly use mobile devices for financial transactions, mobile activity is less common in the mortgage space. In this study, the Economic & Strategic Research (ESR) Group use data from the National Housing Survey to analyze consumers' current and future appetite for using mobile tools to shop for a mortgage in order to better understand the potential market demand for such functionality. Additionally, the ESR Group examines the differences in consumer and lender views on mobile usage, and whether the lower priority that lenders are placing on mobile channels could place them at risk of not meeting consumer demand or encouraging new entrants to address this growing demand at the expense of existing firms.
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Millennials Look to Income Improvements as Key to Unlocking Homeownership
August 21, 2015
In this study, Fannie Mae's Economic & Strategic Research Group analyzes data from the National Housing Survey to explore whether Millennials prefer the flexibility of renting and are less interested in homeownership than previous generations. Additionally, among young adults who do plan to buy a home in the future, the study examines the reasons cited for not yet pursuing those aspirations. The implications are worth considering given Millennials' potential to generate significant homeownership demand.
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Invisible Equity: Do Homeowners See How Much Home Equity They Are Sitting On?
August 3, 2015
The housing market recovery over the past few years has been even more halting than the economic recovery. According to Fannie Mae's Economic & Strategic Research (ESR) Group, this is likely due to tepid household income growth weighing down housing markets. Now, a new analysis identifies an additional factor that may be weighing on housing: Homeowners are underestimating their home equity. Using data from Fannie Mae’s National Housing Survey (NHS), the ESR Group examines how a widespread “negative perception gap” or “appreciation gap” may be suppressing housing and mortgage market activity by inhibiting many interested homeowners from purchasing another home or from moving to advance their job and career prospects.
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What is the Mortgage Shopping Experience of Today's Homebuyer? Lessons from recent Fannie Mae acquisitions
April 13, 2015

Using data from Fannie Mae's National Housing Survey, this study examines borrowers' shopping behavior and experiences when trying to obtain a mortgage. While getting a mortgage is a complex process for prospective homebuyers, research and consumer guidance suggest that obtaining multiple mortgage quotes and being better informed may help borrowers get a mortgage with a better set of financial terms.
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