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ICE says US mortgage holder equity hits record $18 trillion

PUBT·08/10/2026 13:01:38
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ICE says US mortgage holder equity hits record $18 trillion
  • ICE Mortgage Monitor flagged mortgage holder equity at a record USD 18 trillion in Q2, lifted by renewed home price gains.
  • Annual home price growth rose to 1.5% in July, a 14-month high, though momentum softened as mortgage rates moved higher.
  • Tappable equity totaled USD 11.7 trillion across 47,500,000 borrowers, averaging about USD 212,000 per borrower.
  • Underwater borrowers climbed 44% year-over-year to 813,000, concentrated among recent-vintage FHA and VA loans.
  • Conforming purchase borrowers with similar credit profiles saw a 38-basis-point rate spread in 2026, adding about USD 5,790 in five-year costs on a USD 300,000 loan.


Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. ICE - Intercontinental Exchange Inc. published the original content used to generate this news brief via Business Wire (Ref. ID: 20260810384969) on August 10, 2026, and is solely responsible for the information contained therein.