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For mortgage pros, softer remodeling demand can change how borrowers think about cash-out refinances, HELOCs and home equity lending conversations.
Home renovation demand has fallen to its lowest level since 2024, according to a HousingWire report on Point’s quarterly renovation index published September 29, 2026. The index tracks demand for renovation financing and showed the strongest state-level interest in Indiana, Tennessee and Georgia.
For loan officers, the practical read is straightforward: fewer homeowners appear to be leaning into renovation financing right now, even as some markets remain more active than others. That matters for borrower conversations around home improvement loans, cash-out options, HELOCs and broader home equity lending strategies.