Recent Publications
What's New in Research
THDA Mortgage Report: Calendar Year 2024
The high mortgage rates of 2023 strained housing markets and slowed down home sales, and the expectation that the Federal Reserve Bank would cut interest rates in 2024 did not manifest. Unexpectedly, 2024 ushered in fluctuating mortgage rates that created widespread uncertainty in the broader housing market. THDA’s Great Choice...
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2023 Home Loan Trends in Tennessee (using HMDA Data)
This report offers a comprehensive analysis of data collected as a part of the Home Mortgage Disclosure Act. The 2023 market was characterized by a significant decline in refinance lending and a marked reduction in home purchase loan origination, primarily attributed to elevated home prices and interest rates. The overall...
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2023 Investments and Impacts Report
This report develops a comprehensive framework to estimate the economic impact of THDA activities in providing safe, sound, affordable housing options to households of low- and moderate-income. We reviewed THDA programs, including loans and grants to determine the scope and monetary flows of each program's activities.
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2023 Investments and Impacts Report
This report develops a comprehensive framework to estimate the economic impact of THDA activities in providing safe, sound, affordable housing options to households of low- and moderate-income. We reviewed THDA programs, including loans and grants to determine the scope and monetary flows of each program's activities.
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An Analysis of Investor Purchases of Single-Family Homes in Davidson County, 2018-2022
Nationally, the phenomenon of investor purchases of single-family homes has received great attention. This research note explores the extent of this phenomenon within Davidson County utilizing data from the Davidson County Assessor's Office on home sales from 2018 - 2022.
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50 Years of THDA’s Single Family Homeownership Program
Financing mortgages for first-time homebuyers of moderate/middle incomes, primarily, was the founding purpose of the Tennessee Housing Development Agency and it remains our principal business. Since we financed the first THDA mortgage loan in 1974, we have financed over $10 billion in mortgages and helped over 134,000 Tennessee households acquire...
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