Surveys - Special Topics

In our Special Topics series, we look closely at data collected through our National Housing Survey®, Mortgage Lender Sentiment Survey®, and customized research to explore specific trends, challenges, and opportunities facing consumers and mortgage lenders in today’s housing market.


Now is the Time to Adopt Digital Mortgage Technology
August 28, 2018
Homebuyers have made it clear that it's time for the home purchasing and mortgage processes to change. Although the mortgage process is extremely complex and heavily regulated, digital experiences in other businesses have increased the demand for digital resources to speed up the onerous mortgage process.
Read more


Are Affordability Perceptions Reducing Household Mobility and Exacerbating the Housing Shortage?
June 27, 2018
Across the country, housing affordability continues to be a challenge as the supply of homes for sale or rent has not kept pace with demand. In order to gain insight on these issues, we used the Fannie Mae National Housing Survey® to ask renters and owners: 1) whether their current home is affordable; 2) to assess their own perception of affordability trends where they live; and 3) what sort of trade-offs were made in purchasing or renting their home.
Read more


Lack of Mortgage Focus Complicates Home Purchase: An Ethnographic Study Among Low- and Moderate-Income Households
May 24, 2018
In our prior research, consumers with fewer financial assets reported that the biggest barriers to homeownership were saving for the down payment and having insufficient credit history. The research also showed that many consumers were unaware of lenders' requirements or focused too heavily on the home search rather than the mortgage search. In a new study, we employed a more qualitative ethnographic approach to further interpret the survey findings: By following a small group of low- and moderate-income households over a period of months as they went through the mortgage process from start to finish, we gain additional insights into the home purchase struggles they face.
Read more


How Will the Gig Economy Shape Mortgage Lending?
May 16, 2018
On-demand gig economy services such as transportation, lodging, food delivery, and personal task services are growing and reshaping how we think about work and self-employment. We surveyed mortgage lenders to better understand the role of gig economy income in the mortgage underwriting process.
Read more


Consumers' Security Concerns a Barrier for Digital Identity
February 20, 2018
A standardized digital identify – an electronically verified set of attributes that uniquely describe a person – can improve, simplify, and accelerate identity-dependent transactions, including buying or renting a home. But given the growing number and severity of personal data breaches, consumers have significant concerns about the safety and security of digital identity. We recently surveyed U.S. consumers to learn about their perceptions of and comfort levels with digital financial identity.
Read more