Housing Crash "Experts": "It'll Be Worse Than 2008" (Since 2022)

I used AI to rank every major housing market analyst since 2022 — who called the housing crash right, who got mortgage rate forecasts wrong, and where real estate is really headed in 2026. See how Logan from HousingWire, Realtor.com, and Zillow scored versus analysts still predicting a crash worse than 2008.

Every day someone tells you exactly where mortgage rates and home prices are headed — but almost none of them go back and check if they were right. So I did. I ran the top housing market analysts and real estate YouTubers through AI, backdated the data to 2022, and scored who actually predicted housing correctly versus who's been calling for a housing crash worse than 2008 for four years straight.

In this video I break down:

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Welcome to The Rate Update with Dan Frio.

This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy.

My goal is simple: No hype. Just real data, clear explanations, and practical next steps.

Here, we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions.

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DISCLAIMER

Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. NMLS #246527 | PBT Bancorp NMLS #257781 | Equal Housing Lender.

This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets.

All opinions are my own and do not represent PBT Bancorp, The Rate Update, or any financial institution I may be employed by or affiliated with.

Nothing on this channel is an offer to lend, a commitment to lend, financial, legal, tax, or investment advice. Mortgage rates, terms, approvals, and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.

Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender | 524 Main St, Hazard, KY 41701. Mortgage products are originated by PBT Bancorp, NMLS #257781. Education and commentary only; not an offer or commitment to lend.