United States · Agency loan data · Jul 2026
First-time buyers accounted for 50.4% of agency purchase loans with known buyer status
Three-month window ending Jul 2026. This page preserves a dated observation; it does not update to the latest month.
The measured change
50.4%, compared with 51.6% for the window ending Jun 2026 — 1.2 percentage points lower.
Adjacent three-month windows overlap. A percentage-point change in share does not establish a change in the number of loans.
What was counted
Agency purchase loans with a reported Yes or No first-time buyer flag. Unknown flags excluded.
- Geography
- United States · National
- Observations in this window
- 244,881
- Source
- MBS single family loan level disclosure data
- Source response refreshed (UTC)
- 2026-09-07T09:02:37.035Z
First-time buyer share is purchase loans only, not refinance. Trailing three-month windows of loans ending in the labeled month. Latest disclosure cycle; sparse recent origination months excluded. Adjacent windows overlap. Coverage is MBS single family loan level disclosure data from Fannie Mae, Freddie Mac, and Ginnie Mae, not the entire mortgage market.
These are source observations, not a linked-loan estimate across datasets. The national share does not establish the share in your county, an individual borrower’s eligibility, or likely future refinancing.
The preserved response’s freshness status describes the source when captured, not its freshness today.
Also in Jul 2026: Refinancing made up 28.1% of agency lending →
Source-backed finding · This is a computed observation and methodology note. Authored Polygon News briefings are published separately in the News Desk.