Findings show that two-thirds of employees value mortgage benefits, with major implications for recruitment, retention, and productivity

Multiply Mortgage, the financial technology company making homeownership more accessible through employee benefits, today released findings from its 2025 workforce survey, “The State of Mortgage Benefits.” The report reveals that limited savings, finding affordable homes, and finding effective and trustworthy professionals with which to work continue to make homeownership difficult for many American workers. The data also point to a clear opportunity for employers to support their workforce with mortgage-related benefits that improve financial wellness, job satisfaction, and productivity.

In a national survey of 1,000 full-time U.S. employees conducted in May 2025, nearly half said they live paycheck to paycheck, and a third have less than $1,000 in savings. Many feel unprepared for major financial decisions like buying a home, with few turning to professionals for support. Instead, most rely on real estate websites, agents, or advice from friends and family.

“This data confirms what we’re hearing from employees and employers alike,” said Michael White, co-founder and CEO of Multiply Mortgage. “People are under financial pressure, and homeownership feels further out of reach than ever. Employers are looking for meaningful ways to help, especially when budgets are tight. In fact, our survey found that about a quarter of employers have cut back on benefits in the past year. Mortgage benefits are one way to provide that support without adding cost.”

This financial uncertainty is not just a personal issue. It shows up at work. Employees planning to buy a home report that the process affects their productivity.

• Nearly three-quarters of workers say they’ve spent hours each week at work worrying about, or distracted by, their housing situation.
• 12.1% reported that they spend more than 6 hours each week worrying or distracted.
• Nearly 70% of respondents believe that mortgage support from their employer would help them stay more focused.

The demand from employees for mortgage benefits is clear.

• Two-thirds of employees said they find access to lower mortgage rates through their employer to be extremely valuable.
• Nearly three in four would be more likely to join a company offering this kind of support, with 23.1% going as far as to say it would be a deciding factor.
• One in three employees say mortgage benefits would significantly improve their satisfaction at work, and 34.7% say these benefits would strengthen their loyalty to their employer.

At a time when compensation budgets are tight, mortgage benefits offer employers a practical, no-cost way to provide real financial value to their employees to increase employee retention and loyalty while aiding recruitment efforts.

To download the full report or learn more about Multiply Mortgage, visit https://www.multiplymortgage.com/financialwellnesswp.

ABOUT MULTIPLY MORTGAGE

Multiply Mortgage helps employees navigate the largest purchase of their lives: buying a home. Its financial wellness benefit offers mortgage interest rate discounts of up to 0.75%, unlimited 1:1s with mortgage expert advisors, and employee education sessions covering the home purchase and financing process, all with zero cost or administrative overhead for the company. Multiply is backed by Kleiner Perkins, A*, and other leading funds, founders, and operators.

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