Benchmark · US Housing Market
Our production vs Market
Comparison with official data from Freddie Mac, FRED (St. Louis Fed), US Census and NAR. Updated on 2026-07-09.
Sources:
Freddie Mac PMMS via FRED (MORTGAGE30US, MORTGAGE15US)
US Census/HUD via FRED (MSPUS, quarterly)
US Census via FRED (HOUST, monthly, thousands SAAR)
NAR via FRED (EXHOSLUSM495S, monthly SAAR)
30y Fixed (latest week)
6.49%
vs 6.72% 1 year ago (-0.23 pp)
15y Fixed
5.82%
Freddie Mac PMMS
Median Home Price (US)
$403.2k
Census/HUD · Jul/26
Existing Home Sales
4,090,000
SAAR · Jun/26
Our average ticket vs Median Home Price (US)
8.7% vs marketAverage ticket = branch Volume / Units. Market reference is the national median price (quarterly data from US Census/HUD).
30y & 15y Rate — pricing context
Source: Freddie Mac PMMS (weekly avg → monthly). Reference for pricing and Purchase/Refi mix.
Demand: our Units vs Market (index, Oct/25 = 100)
If our line grows faster than the market, we're gaining share. Existing Home Sales (NAR) and Housing Starts (Census).
Purchase Mix — us vs market reference
Our Purchase Mix comes from the P&L. Market reference ≈ 70% (MBA average in a high-rate environment). Update when the MBA Weekly Applications subscription is available.
Period average — us: 75.9% · market: 70%
Consolidated table
All data points used in the charts, for reference.
| Month | 30y | 15y | Median Price | Housing Starts (k) | Exist. Home Sales | Our Volume | Our Units | Our Ticket |
|---|---|---|---|---|---|---|---|---|
| Sep/25 | 6.35% | 5.50% | $410.1k | 1,319 | 4,080,000 | $0 | 0 | — |
| Oct/25 | 6.25% | 5.49% | $412.3k | 1,273 | 4,110,000 | $1.09M | 4 | $272.4k |
| Nov/25 | 6.24% | 5.51% | $412.3k | 1,319 | 4,090,000 | $3.61M | 8 | $450.7k |
| Dec/25 | 6.19% | 5.48% | $412.3k | 1,378 | 4,270,000 | $3.46M | 6 | $576.8k |
| Jan/26 | 6.10% | 5.44% | $403.2k | 1,385 | 4,020,000 | $0 | 0 | — |
| Feb/26 | 6.05% | 5.43% | $403.2k | 1,346 | 4,130,000 | $2.99M | 7 | $426.5k |
| Mar/26 | 6.18% | 5.55% | $403.2k | 1,522 | 4,010,000 | $3.57M | 9 | $396.4k |
| Apr/26 | 6.33% | 5.68% | $403.2k | 1,392 | 4,040,000 | $3.45M | 8 | $431.4k |
| May/26 | 6.44% | 5.79% | $403.2k | 1,177 | 4,190,000 | $2.67M | 5 | $534.9k |
| Jun/26 | 6.49% | 5.82% | $403.2k | 4,090,000 | $8.56M | 16 | $535.2k | |
| Jul/26 | 6.46% | 5.81% | $403.2k | 0 | $1.75M | 5 | $350.3k |