ICE: Gen Z share of US purchase mortgage rate locks hits record 20% in Q2 2026

Intercontinental Exchange, Inc.

Intercontinental Exchange, Inc.

ICE

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  • ICE Mortgage Monitor for July 2026 showed Gen Z took a record 20% of purchase mortgage rate locks in Q2.
  • Gen Z represented nearly one-third of first-time homebuyer loans; share of FHA purchase lending reached 27%.
  • Gen Z and Millennials generated about two-thirds of purchase mortgage volume, signaling a shift in lender growth focus.
  • Non-savings sources funded 29% of down payments, a seven-year high; 71% still relied on personal savings.
  • ICE Home Price Index rose 1.3% year over year in June; 72% of markets were above year-ago levels.


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: 20260706936013) on July 06, 2026, and is solely responsible for the information contained therein.

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