The recent numbers from FHFA‘s National Mortgage Database tell a story about the massive amount of home equity American households have — in addition to the fact that most Americans have mortgage rates at 5% or below. These are two of the most significant differences between the current housing market and the run up to the housing bubble crash. The difference in home equity and credit quality then and now helps explain why housing inventory levels skyrocketed from 2005 to 2008 and why we haven’t been able to return to normal inventory levels from 2022 to 2025, which according to NAR data would be between 2 and 2.5 million active listings. The number of NAR total active listing is currently at 1.53 million. ’’
Finance
September 29, 2025
How homeowners benefit from massive equity and lower fixed rates
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