U.S. Accessible Home Equity Reaches Record $13.2 Trillion in Second Quarter of 2026, According to First American Data & Analytics’ Inaugural Accessible Home Equity & Mortgage Rate Lock-In Trends Report
First American Data & Analytics, a division of First American Financial (NYSE: FAF), published its inaugural Accessible Home Equity & Mortgage Rate Lock-In Trends Report, finding record U.S. accessible home equity of $13.2 trillion in Q2 2026, up 1.5 percent year over year. Of that total, roughly 88 percent ($11.6 trillion) is held by homeowners whose mortgage rates are below the prevailing 6.49 percent average 30-year rate, and 83 percent of locked-in equity sits in the extreme-severity category (rates more than 150 basis points below prevailing).
Key figures
- Locked in share
- 88 percent
- Locked in equity yoy
- -2.0 percent
- Avg 30yr mortgage rate
- 6.49 percent
- Faf 2025 total revenue
- $7.5 billion
- Total accessible equity
- $13.2 trillion
- Locked in accessible equity
- $11.6 trillion
- Total accessible equity yoy
- 1.5 percent
- Extreme lock in share of locked in equity
- 83 percent
AI analysis
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