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Prior to the pandemic, the median combined loan-to-value ratio for U.S. mortgages was around 75%, meaning that the typical buyer put 25% down on a home. That figure fell to below 70% by the beginning of 2021, and remained there until rebounding back to 75% in the second quarter of 2022. A si…

The world population recently passed 8 billion, just 11 years after reaching 7 billion—but the U.S., among other countries, is experiencing slowing population growth: the country’s current growth rate of 0.1% is the lowest on record. While COVID and other recent factors have contributed to t…