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Commentary

Is AI the End-All Solution to Mortgage Lending Inequities?

In a new article jointly authored by the Federal Home Loan Bank of San Francisco and the Urban Institute, new research examines the effects of Artificial Intelligence (AI) in helping level the playing field for minorities and borrowers of color, with the ultimate goal of advancing racial equity in homeownership.

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Commercial, Multifamily Loans Drop Precipitously YoY

“Borrowing and lending were down for every property type and capital source from one year ago. However, compared to this year’s second quarter, volumes were more stable, and some sectors—including industrial properties and life company lenders – showed an uptick in volume,” said Jamie Woodwell, MBA’s Head of Commercial Real Estate Research.

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FOMC Holds Rates Steady

The Federal Reserve’s Open Market Committee chose to forgo the opportunity to raise the central bank’s nominal interest rate at the conclusion of their October/November meeting, a repeat of the action the committee last took in September.

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Priced-Out Homebuyers Snapping Up Rental Units, Recruiting Roommates

"With a record number of new units coming onto the market driving rent prices down, those who may have given up hope of homeownership may be able to leverage more affordable rental options—including downsizing to a smaller unit or considering a roommate for the near term—to help build savings for a future home," said Jiayi Xu, Economist at Realtor.com.

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