Mortgage News
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Sep 4, 2025 12:27 PM
— Interest Rates
Average rate on a 30-year mortgage drops to 6.5%, lowest level since last October
The average rate on a 30-year U.S. mortgage fell to 6.5% from 6.56% last week, giving prospective homebuyers more purchasing power. Borrowing costs on 15-year fixed-rate mortgages also decreased. Mortgage rates are influenced by factors like the Fed's interest rate policy decisions and bond market expectations. Rates have been declining due to expectations of the Fed cutting its benchmark short-te... more
Sep 4, 2025 12:24 PM
— Interest Rates
U.S. homeownership falls for first time since 2016
The article discusses a decline in the number of American households who are homeowners, likely due to high home prices and elevated interest rates. However, new residential construction increased, and mortgage rates dropped recently, encouraging homeowners to refinance. The Treasury Secretary mentioned the possibility of declaring a national housing emergency.
Sep 4, 2025 12:23 PM
— Interest Rates
Mortgage Rates Hit Another 2025 Low Ahead of a Potentially Volatile Friday
The last jobs report contributed to lowering the average 30yr fixed rate due to its weaker than expected results. The market is anticipating a Fed rate cut in the next meeting, keeping rates at recent lows. Today's data was in line with expectations, but traders are hedging against the possibility of labor market deterioration. Average 30yr fixed rates moved slightly lower to a new low for 2025.
Sep 4, 2025 11:30 AM
— Mortgage Lenders
How Fannie Mae, Freddie Mac release could change mortgage costs
The article discusses the potential impact of the release of Fannie Mae and Freddie Mac from government conservatorship on the residential mortgage market and mortgage loan costs. It highlights key issues such as credit ratings, funding costs, the cost of mortgage insurance, and the possibility of higher interest rates if the conservatorship ends. It also touches upon the implications for conventi... more
Sep 4, 2025 10:24 AM
— Mortgage Rates
Average rate on a 30-year mortgage drops to 6.5%, the lowest since last October
The average rate on a 30-year U.S. mortgage fell to 6.5% from 6.56% last week, with borrowing costs on 15-year fixed-rate mortgages also falling. Mortgage rates are influenced by factors like the Federal Reserve's decisions and bond market expectations. The Fed may cut rates in the upcoming months which could further impact mortgage rates. The housing market has been sluggish since rates began cli... more
Sep 4, 2025 10:24 AM
— Mortgage Lenders
Mortgage Rates in the US Drop, Sending 30-Year Loans to 6.5%
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Sep 4, 2025 9:29 AM
— Mortgage Rates
Mortgage rates sink with FOMC cuts on the horizon
Mortgage rates hit an 11-month low as markets anticipate a rate cut from the Federal Open Market Committee. The 30-year fixed rate mortgage dropped slightly, with various sources reporting larger declines in rates. Recent jobs data and inflation numbers have influenced the market, causing Treasury yields and mortgage rates to decrease.
Sep 4, 2025 9:23 AM
— Mortgage Rates
Instant Reaction: Mortgage Rates, September 4, 2025
The average 30-year fixed mortgage rate has decreased to 6.50%, making monthly payments more affordable for potential homebuyers. This drop in rates could attract more sellers to the market and encourage current homeowners to consider refinancing to save money. However, rates are still relatively high compared to previous years.
Sep 4, 2025 9:23 AM
— Mortgage Rates
Mortgage rates hit 6.5%, the lowest level since October 2024
Mortgage rates have reached a fresh low in 2025, with the average 30-year rate at 6.5% and the average 15-year rate at 5.6%. Lower rates have not significantly boosted homebuying activity. Mortgage applications to purchase a home dropped 3%, while refinancing applications increased by 1%. Weaker-than-expected job market data could lead to further rate movements next week.
Sep 4, 2025 9:23 AM
— Mortgage Rates
Mortgage rates fall, Amazon & JetBlue, American Eagle ad pays off
The article discusses three top stories of the trading day: mortgage rates trending lower, Amazon partnering with JetBlue, and American Eagle Outfitters stock surging on earnings.
Sep 4, 2025 8:25 AM
— Mortgage Finance
Expanded-Credit MBS Issuers Back in Market After Lull
The article discusses the latest trends and developments in the mortgage finance industry.
Sep 4, 2025 7:23 AM
— Bond Markets
Mixed Data. Mixed Reaction
Thursday morning's economic data included claims, layoffs, ADP, and ISM Services. Overnight movement was more significant than during the day. ADP was slightly weaker than expected, but bond buyers didn't react strongly. ISM was slightly stronger, but weak employment and price decreases tempered the bond-bearish message. The data isn't weak enough to positively impact Friday's jobs report, but als... more
Sep 4, 2025 3:24 AM
— Mortgage Lending
Processing, AML, Prospecting Tools; Pennymac's Non-QM News; LOs and Database Importance
The article discusses the current situation in the mortgage industry with a focus on commercial mortgage-backed securities delinquency rates, home equity demand, underwriting processes, and new products and services for lenders. It also mentions a marketplace for vendors in the mortgage industry and updates on non-QM and HELOC products.
Sep 3, 2025 2:26 PM
— Bond Markets
Straightforward Data-Driven Rally
The bond market had a straightforward day with unchanged trading levels initially. Friendly Fed comments and low job openings reported by JOLTS data led to gains in bonds. The recent job report's weakness was confirmed by the JOLTS data. If Thursday's data is also weak, bond yields may challenge recent lows.
Sep 3, 2025 1:30 PM
— Interest Rates
Mortgage application activity decreases despite lower rates
Despite the lowest interest rates in months, mortgage application volume declined for the third straight week leading up to Labor Day. The drop in refinance applications outweighed the increase in purchase volume as conventional rates rose week-over-week. The 30-year conforming fixed rate mortgage reached its lowest point since October 17th, partially due to bond traders pricing in a reduction in ... more
Sep 3, 2025 1:28 PM
— Mortgage Finance
Short Takes: Purchase-Mortgage Demand Cools / Rate Cut a Marketing Opportunity / PennyMac Launches Non-QM Offerings / Number of Homeowner Households Declines
The article discusses the various design, CMS, hosting, and web development aspects related to Inside Mortgage Finance Publications in 2025.
Sep 3, 2025 1:27 PM
— Bond Markets
Still in The Range as Bonds Wait For Bigger Influences
Bonds were weaker to start the month, especially after the start of European trading. There was a strong correlation between EU sovereign debt and Treasuries. Yields remained within the prevailing range, and upcoming economic data could challenge that range.
Sep 3, 2025 1:27 PM
— Bond Markets
JOLTS Data Bringing The Buyers
Bonds were flat to slightly stronger overnight but rallied after the JOLTS data, which showed a new cycle low for job openings. MBS gained about an eighth of a point and 10yr yields dropped about 3 bps. Friendly Fed comments from Waller, including the possibility of rate cuts at the next meeting and multiple cuts in the future, also helped push bond prices higher.
Sep 3, 2025 1:27 PM
— Mortgage Rates
Refi Demand Improves While Purchase Applications Edge Lower
Mortgage applications decreased slightly, with the 30-year fixed rate dropping to 6.64%. Refinance applications increased slightly, with FHA and VA refinances driving the growth, but conventional refinances declined. Purchase activity also decreased after several weeks of increases.
Sep 3, 2025 1:26 PM
— Mortgage Rates
Mortgage Rates Officially Hit 11-Month Low
Mortgage rates experienced a significant spike on October 4th due to a jobs report, leading to 30yr fixed rates moving over 7.25% in January. However, rates have since dropped back down and are currently at their lowest point in 11 months, with potential for further fluctuation based on upcoming jobs reports.
Sep 3, 2025 1:26 PM
— Mortgage Rates
Mortgage rates hit a new 2025 low after soft job openings report
Mortgage rates decreased to a year-to-date low of 6.49% after job openings data came in below expectations, leading to more unemployed workers than job openings. This has put a September rate cut and lower mortgage rates in play.
Sep 3, 2025 1:25 PM
— Housing Market
Seller beware: Homebuyers are canceling more real estate deals than ever
Due to rising mortgage rates, higher costs of ownership, and increased inventory in the housing market, homebuyers are hesitating and backing out of deals more frequently. Buyers are taking advantage of the current market conditions by being more selective, negotiating lower prices, and requesting concessions. The trend of canceled home purchase agreements is expected to continue into the rest of ... more
Sep 3, 2025 1:25 PM
— Mortgage Rates
Mortgage and refinance interest rates today, September 3, 2025: A small reversal in direction
The average 30-year fixed mortgage rate is 6.45% and the 15-year rate is 5.58% according to Zillow. Various mortgage rates are provided including 20-year fixed, 5/1 ARM, 7/1 ARM, and VA loan rates. The article also discusses the pros and cons of different mortgage term lengths and types like 15-year and adjustable-rate mortgages. Mortgage rates are expected to remain stable in the near future.
Sep 3, 2025 1:23 PM
— Housing Affordability
The U.S. housing market is ‘finally starting to listen’ to homebuyers
After years of high mortgage rates and home prices, the housing market in the U.S. is showing signs of improvement. Mortgage rates have trended lower, home price growth is slowing, and household incomes are increasing. The Real House Price Index (RHPI) from First American indicates that housing affordability has improved, although it remains higher than pre-pandemic levels. While the market is sti... more
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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.
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.
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