Mortgage News
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News for: Mortgage Lending
Showing 25 - 48 of 291 results
Mar 12, 2026 8:37 AM
— Mortgage Lending
US Mortgage Rates Jump Most in 11 Months on Inflation Risk From Iran War
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Mar 12, 2026 6:31 AM
— Mortgage Lending
FHA lending contracts as delinquency pressures crystalize
In February, mortgage credit availability increased by 1.1%, driven by expanded refinance opportunities mainly for cash-out refinances and investor homes with lower loan-to-value ratios. However, government lending, particularly FHA loans, experienced a decline due to tightening underwriting standards caused by an increase in FHA mortgage delinquency rates. The jumbo mortgage component index conti... more
Mar 11, 2026 10:33 PM
— Mortgage Lending
Mortgage Credit Availability Increased in February
The Mortgage Credit Availability Index (MCAI) increased by 1.1% in February, indicating a loosening of credit standards. The Conventional MCAI increased, while the Government MCAI decreased. Lenders expanded mortgage credit supply, especially for refinancing, due to lower mortgage rates. The Jumbo Index increased for the second consecutive month. The government index saw a decline in credit supply... more
Mar 11, 2026 10:32 PM
— Mortgage Lending
Mortgage Credit Availability Increased in February
The Mortgage Credit Availability Index (MCAI) increased by 1.1% to 107.1 in February. This rise indicates looser credit standards. The Conventional MCAI increased by 2.7%, while the Government MCAI decreased by 0.8%. Lending standards for jumbo loans saw the most growth. The government index saw a decline due to increased FHA mortgage delinquency rates.
Mar 9, 2026 10:30 AM
— Mortgage Lending
Stagflation Fears Threaten Spring Housing Market as Oil Hits $100 a Barrel
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Mar 6, 2026 4:31 AM
— Mortgage Lending
How Rising Car Prices Present One More Hurdle For Homebuyers
Car prices are rising, with the average new vehicle price surpassing $50,000 and many Americans taking on monthly car payments of $1,000 or more. Having a high car payment can hinder one's ability to qualify for a mortgage by reducing available residual income for a mortgage payment. This, combined with record-high home prices and rising mortgage rates, creates a challenging environment for homebu... more
Mar 5, 2026 5:32 AM
— Mortgage Lending
House Hunters Stayed on Sidelines As Rates Dipped Below 6%, Iran War Adds to Market Uncertainty
The article discusses the importance of getting pre-approved for a mortgage before starting the house hunting process. It explains that getting pre-approved can help buyers understand their budget, increase their chances of having their offer accepted, and make the closing process smoother.
Mar 4, 2026 11:30 PM
— Mortgage Lending
Want a 2.5% mortgage? Buy it. : The Indicator from Planet Money
The article discusses the option of assumable mortgages as a way to obtain low mortgage rates without needing a time machine. Assumable mortgages involve buying a house that comes with an existing mortgage, which can be a lengthy process requiring a significant amount of cash.
Mar 4, 2026 7:11 AM
— Mortgage Lending
How Are Home Equity Loan Rates Determined in 2026?
The article discusses how home equity loan rates are set based on macroeconomic factors and individual borrower risk factors, such as credit score, loan-to-value ratio, and debt-to-income ratio. Lenders use the prime rate as a benchmark and add a margin based on the borrower's risk profile. Factors like credit score, loan size, property type, and location also impact the rate offered. Personalizin... more
Mar 3, 2026 2:32 PM
— Mortgage Lending
Fannie, Freddie join Anthropic ban, address DHS shutdown
Fannie Mae, Freddie Mac, and their oversight agency have responded to various federal developments including antitrust investigations and restrictions on institutional investors by President Trump. There are promises of big announcements on housing affordability issues, potential MBS offerings, and transparency enhancements for investors.
Feb 26, 2026 9:30 AM
— Mortgage Lending
US 30-Year Mortgage Rate Falls Below 6%, First Time Since 2022
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Feb 25, 2026 12:15 PM
— Mortgage Lending
Shift away from tri-merge credit reports could send mortgage rates higher, study finds
Recent research conducted by Andrew Davidson and Co. warns that replacing tri-merge credit score requirements with a single-bureau option could lead to higher mortgage costs and increased risks for borrowers. The study found that scores based on data from one credit bureau often varied significantly from the current tri-merge standard, impacting loan pricing in meaningful ways. Shifting away from ... more
Feb 24, 2026 8:32 AM
— Mortgage Lending
Better.com says tokenized capital could push rates below 5%
Better Home & Finance Holding Company plans to access up to $500 million in credit by integrating with the Sky stablecoin ecosystem through a deal with Framework Ventures. This integration could reduce funding costs, support higher origination volume in 2026, and create a bridge between decentralized finance and traditional housing finance.
Feb 23, 2026 2:30 AM
— Mortgage Lending
The Housing Markets Positioned To ‘Unlock’ Fast if Mortgage Rates Plunge
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Feb 20, 2026 1:30 PM
— Mortgage Lending
Mortgage Rates Drop to 3.5-Year Low, Offering Buyers a Timely Boost
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Feb 19, 2026 6:30 AM
— Mortgage Lending
Mortgage Interest Rates Today: Rates Plunge to Lowest Level In 3 Years
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Feb 18, 2026 11:30 AM
— Mortgage Lending
Homebuilders Hope Lower Mortgage Rates Will Lure Buyers as New Construction Falls
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Feb 18, 2026 11:01 AM
— Mortgage Lending
Mortgage defect rate rises for third straight quarter as refinance market heats up
The critical defect rate for U.S. mortgages increased during the third quarter of 2025, driven primarily by income and employment defects as the industry faced operational challenges due to a shift from a purchase-dominant to a refinance-dominated market. Refinance loans accounted for a disproportionate number of critical defects due to documentation refresh requirements and validation timing issu... more
Feb 18, 2026 6:30 AM
— Mortgage Lending
Mortgage Applications Today: Home Loan Demand Rebounds as 30-Year Rate Falls to 4-Week Low
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Feb 16, 2026 11:38 AM
— Mortgage Lending
Bowman signals Fed prepared to revive banks’ role in mortgage market
The Federal Reserve is proposing two mortgage-related regulatory rules to encourage banks to participate more in mortgage origination and servicing, as these activities have shifted significantly to nonbanks in recent years. The proposals aim to make capital requirements more risk-sensitive and align them with the actual risk profile of mortgage lending and servicing.
Feb 16, 2026 5:34 AM
— Mortgage Lending
Speech by Vice Chair for Supervision Bowman on revitalizing bank mortgage lending
The Vice Chair for Supervision discussed the migration of mortgage origination and servicing out of the banking sector, leading to implications for banks, consumers, and financial stability. This shift has been costly due to overregulation, resulting in reduced consumer choice and competition, as well as potential vulnerabilities with nonbank servicers. The 2013 change in capital treatment of mort... more
Feb 13, 2026 12:40 PM
— Mortgage Lending
Refinances overtake purchase mortgage share in the fourth quarter
In the fourth quarter of 2025, despite a 6% decrease in the number of loans originated, the dollar volume of originations increased by 1% to $627.3 billion. Refinance activity surpassed purchase activity for the first time since early 2022, with refinances making up 42.6% of lending activity and purchases 39.9%. This switch was likely driven by lower average mortgage rates. Home equity lending dec... more
Feb 12, 2026 7:30 AM
— Mortgage Lending
Home Sales Nosedive in January Despite Easing Mortgage Rates
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Feb 12, 2026 6:30 AM
— Mortgage Lending
Mortgage Interest Rates Today: Rates Drop to 6.09% After Better-Than-Expected Jobs Report
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Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@loanglass.com.
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 800 lenders. LoanGlass does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@loanglass.com.
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.