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.

Education and the Intergenerational Transmission of Homeownership
September 14, 2016
In a new study sponsored by Fannie Mae, researchers from the University of Southern California unpack the complex linkages between educational attainment and homeownership attainment. As parents play a role both in supporting their children’s education and in helping them buy homes, the authors examine the importance of parental background compared with individual resources (including education) in the achievement of homeownership. Overall, the findings suggest that parental background has a strong effect on children’s chances for both higher education and homeownership, but education maintains an independent effect on homeownership attainment that could help reduce disparities in access.
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Student Debt: Whose Homeownership Rate Does It Hurt Most?
July 28, 2016
Using data from our National Housing Survey®, we examined the effect of student debt on the likelihood of owning a home among different cohorts. The analysis and data visualization show that the benefit of a college degree outweighs the burden that student loan debt places on homeownership likelihood. Yet, high school graduates with no college degree and no student debt actually fare better than those who start college and accumulate student debt but don’t complete their degree. The study also finds that renters continue to aspire to own a home, regardless of whether they have student loans – though, for those with loans, the debt burden does seem to delay their expected timeline for first home purchase.
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Parental Financial Assistance and Young-Adult Homeownership
April 26, 2016

In this study, researchers from the University of Southern California examine the prevalence of parental financial assistance and its effect on young-adult transitions into homeownership. This Fannie Mae-sponsored research is the first installment in a series of studies that will examine the roles of parental resources, educational attainment of parents and children, and other factors in the homeownership attainment of young adults, with an eye toward better understanding the homeownership prospects of the Millennial generation.
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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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