Mortgage rates settle above 6%, lowest in over three years
While the Freddie Mac survey recorded a weekly decline, the benchmark 10-year Treasury yield had moved back up by 6 basis points around midday on Thursday.
Mortgage rates
Mortgage rates rise as FOMC inaction adds to uncertainty
Even with the 4 basis point rise in the 30-year fixed over the past two weeks, mortgage rates are still hovering near three-year lows, Freddie Mac said.
What the Fed’s first look in 2026 means for mortgages
Respondents to an exclusive NMN survey lay odds on lower rates boosting housing despite stagflation and recession risks. Here's how the Fed's view compares.
Mortgage rates reach three-year low after MBS buy order
This week the conforming 30-year fixed rate mortgage fell 10 basis points, with Optimal Blue data showing it broke through, at least briefly, the 6% level.
Economists forecast just 50 basis points of Fed cuts in 2026
The survey, taken before Pres. Trump's $200 billion MBS buy demand, finds panelists worried over inflation, but also see employment as the larger downside risk.
Banks snatch up MBS that notched best returns since 2002
Late last year, commercial bank holdings of mortgage paper reached the highest level since 2023 as these depositories are flush with deposits.
Mortgage spreads are narrowing, but for which reason?
Keefe, Bruyette & Woods attributes Fannie Mae and Freddie Mac portfolio growth for the narrower spreads, but other reasons include lower volatility.
The coming year will be pivotal for the Federal Reserve
The Federal Reserve is slated to undertake a number of important rules and regulations in 2026, but decisions around agency leadership and the Trump administration's avowed effort to exert greater control over the central bank are likely to leave a lasting legacy at the agency.
Why 2026 could be the mortgage industry’s reset year
Our experts expect a mortgage market reset in 2026 with an uptick in originations, but warn lenders not to skimp on compliance even as the reins loosen.
Mortgage rates flatline following recent Fed cut
While the 30-year average has hovered near the same level for weeks, the past year brought with it promising trends that may ease affordability in 2026.
Housing market will be soft in 2026, KBW analysts warn
The home purchase market, which competes for consumers with rentals, should remain subdued in 2026 because of high mortgage rates and low affordability.
Lower rates drive best November lock activity in years
November rate locks fell seasonally but hit their strongest level since 2021, led by refis, while lenders shifted more loans to the GSE cash window.
How GSE changes in LLPAs, MBS could shift rates
Decision makers have voiced support for lower financing costs but researchers have said achieving it could be complicated. Part 3 in a series.
Mortgage rates tick down for first time this month
After three consecutive weeks of increases, the 30-year fixed mortgage rate dropped 0.3 basis points to 6.23% this week, according to Freddie Mac.
October’s prepay speeds at highest in over three years
The prepayment rate grew by 37% over September as mortgage rates fell leading to higher refinancing volume in October, ICE Mortgage Technology said.
Fitch flags cooling housing market through 2027
While Fitch and Kroll have differing views on mortgage rates next year, both are looking for mortgage delinquencies to rise in their rated portfolios.
Mortgage rates tick down following Fed’s cut
The 30-year rate dropped just 0.2 percentage points, as Federal Reserve Chair Jerome Powell's recent comments caused Treasury yields to rise.
Pending home sales stall as labor market concerns build
An index of contract signings held at 74.8 after climbing a revised 4.2% a month earlier to the highest level since March, according to National Association of Realtors data released Wednesday.
Mortgage rates fall to lowest mark in over a year
While expectations that another federal rate cut is on the way next week, other economic trends may be having a larger influence on mortgage lending.
Bond yields sank — so why aren’t mortgage rates following?
While new jobs data contributed to falling Treasury yields, mortgage rates showed a mixed picture with some trackers moving in opposite directions.
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