Housing Affordability and Performance: Q4-2024 Update

Affordability & Performance: 2024 Update

This report provides an update on the relationship between housing affordability and loan performance, leveraging data through December 2024.

For the first time, our affordability metrics are now accessible directly in the dv01 web app, enabling users to replicate our analysis—or conduct their own—at a granular level.

Quick Insights

• A deeper look at how affordability affects prepayment behavior by rate incentive

• Analysis of prepayment trends by affordability tier and rate incentive

• A three-year view of impairment trends, with higher-affordability regions now outperforming

• ZIP code-level segmentation using the Fitch-dv01 Non-QM Benchmark

• Florida’s notable affordability recovery, driven by price moderation and insurance reform

The entire analysis was conducted within the dv01 platform, showcasing the depth, transparency, and flexibility now available to our partners.