---
title: "ICE says US mortgage holder equity hits record $18 trillion"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/295411006.md"
description: "ICE Mortgage Monitor reports US mortgage holder equity reached a record $18 trillion in Q2, driven by rising home prices. Tappable equity stands at $11.7 trillion for 47.5 million borrowers. Conversely, underwater borrowers rose 44% year-over-year to 813,000, primarily among recent FHA and VA loans. Annual home price growth hit a 14-month high of 1.5% in July, though momentum softened due to higher mortgage rates."
datetime: "2026-08-10T13:01:42.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/295411006.md)
  - [en](https://longbridge.com/en/news/295411006.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/295411006.md)
---

# 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. © Copyright 2026 - Public Technologies (PUBT)

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