Q3 2025 Lender Insights & Predictions

HomeLight’s Q3 2025 Lender Insights & Predictions report compiles the findings of a survey of loan officers from 80 top lending companies across the United States, including American Pacific Mortgage, Fairway Independent Mortgage Corporation, The Loan Store, and more.

 

 

What's offered in the Lender Insights & Predictions Report?

  • Lenders are worried about the fallout of rising consumer debt
  • Debt consolidation is dominating home equity lending
  • 5.75% rates? Consumers won’t give up on the dream
  • Service industry workers are getting priced out of homeownership
  • Fannie and Freddie Inc.? Lenders share their thoughts on possible IPO
  • Lenders agree, now is the time to buy 
2025_Lender_Insights_booklet

HomeLight’s Q3 2025 Lender Insights & Predictions survey was fielded between August 19 and 26, 2025. Our report shows that consumer debt is higher than ever, and lenders are taking notice. 

Meanwhile, debt consolidation continues to fuel home equity lending, and buyers are still holding out hope for a 5.75% mortgage rate.

We also explore which industries and professions are struggling the most to purchase a home, and what loan officers think of the possibility of Fannie Mae and Freddie Mac going public.

At the end of the day, lenders agree that now is the time to buy.

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Access our Q3 2025 Lender Insights & Predictions Report

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