Mortgage News
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Mar 18, 2026 6:33 PM
— Loan Production Expenses
Independent mortgage banks finish 2025 in the black, despite quarterly profit dip
Independent mortgage banks and mortgage subsidiaries of chartered banks ended 2025 with a pretax net production profit of $674 per loan in the fourth quarter, a decrease from the previous quarter. Despite this, overall production volumes rose. Loan production expenses remained flat in the final quarter of 2025 compared to the prior quarter, but costs remain historically high. Loan balances increas... more
Mar 18, 2026 6:32 PM
— Mortgage Rates
Mortgage Applications Decrease in Latest MBA Weekly Survey
Mortgage applications decreased by 10.9% from the previous week, with the Refinance Index dropping by 19%. The purchase index saw a 1% increase. Mortgage rates increased, with the 30-year fixed rate reaching 6.3%. Despite the higher rates, purchase applications remained steady. The refinance share decreased to 52.3% of total applications, while the FHA and VA shares increased.
Mar 18, 2026 4:35 PM
— Mortgage Rates
Optimal Blue Reports Purchase Demand Rebounding
Optimal Blue reported a significant increase in lock activity in February due to lower mortgage rates, leading to a rise in purchase borrowers entering the market. Mortgage rates declined across all major products, with the OBMMI 30-year conforming fixed rate finishing the month at 5.90%. Refinance activity remained strong, accounting for 41% of total lock volume, with volume trends showing a rebo... more
Mar 18, 2026 3:30 PM
— Interest Rates
Bonds Weren't Prepared For Fed's Inflation Fears
Despite the market expecting a hawkish stance from the Fed due to rising energy prices, Chairman Powell focused on other categories of inflation during a press conference, indicating rate cuts are on hold. The market now predicts the next rate cut to be over a year away, leading to bond yields increasing and MBS being negatively impacted.
Mar 18, 2026 2:30 PM
— Interest Rates
Mortgage rates, March 18, 2026
The article provides information on current average mortgage rates in the U.S. for different types of loans, such as 30-year fixed-rate conforming loans, 15-year fixed-rate loans, jumbo loans, FHA loans, VA loans, and USDA loans. It discusses how mortgage interest rates are influenced by the federal funds rate set by the Federal Reserve. The article also highlights recent trends in mortgage applic... more
Mar 18, 2026 2:30 PM
— Mortgage Rates
Mortgage Rates Move Back Up Near Recent Highs
Mortgage rates increased significantly on Wednesday, reaching the highest levels in several months due to inflation data, a surge in oil prices, and Fed comments causing a shift in rate cut expectations.
Mar 18, 2026 1:57 PM
— Home Equity Rates
HELOC Rates Hit Lowest Level In Three-Plus Years
HELOC rates saw a slight drop while home equity loan rates increased slightly. The Federal Reserve left interest rates unchanged at their latest meeting, affecting home equity borrowing rates. Factors like inflation, geopolitical tensions, and the value of your home impact these rates. Home equity products are still relatively high-cost debt, even with favorable rates.
Mar 18, 2026 1:30 PM
— Mortgage Rates
Current refi mortgage rates report for March 18, 2026
The article provides information on current average refinance rates for different loan types and terms as of March 18, 2026. It discusses factors to consider when refinancing, such as credit score, income, debt-to-income ratio, and potential costs. The article also touches on the impact of Federal Reserve rate cuts on mortgage interest rates and reasons why homeowners may consider refinancing, suc... more
Mar 18, 2026 12:32 PM
— Mortgage Lending
Trump mortgage credit order draws praise from lenders
President Trump signed an executive order aimed at promoting access to mortgage credit by lowering lender compliance costs for community banks. The order addresses concerns raised by banks and nonbanks, welcomed by industry groups but facing pushback from consumer advocates. Changes may require Congress and could take until late 2026 or 2027 to fully implement.
Mar 18, 2026 11:52 AM
— Mortgage Rates
Federal Reserve Holds Rates in March over Geopolitical Uncertainty
The Federal Reserve has chosen to hold its federal funds rate steady in early 2026 due to ongoing shocks like government shutdown risks, tariff uncertainty, and geopolitical tensions. Mortgage rate movements have varied after recent Fed decisions, but overall interest rates are lower in 2026 compared to previous years. The FOMC's next meeting is scheduled for April, and the housing finance industr... more
Mar 18, 2026 11:30 AM
— Interest Rates
Fed holds interest rates steady — here’s what that means for consumers
The Federal Reserve decided to hold interest rates steady due to geopolitical turmoil and rising inflation expectations from the Iran conflict. This decision affects consumer borrowing, savings rates, credit card rates, mortgage rates (tied to Treasury yields), and federal student loan rates. Auto loan debt is also impacted by high financing costs and inflated prices. One potential bright spot is ... more
Mar 18, 2026 11:00 AM
— Interest Rates
Fed holds rates, officials signal wait and see on inflation risks
The Federal Reserve kept its benchmark interest rate steady at a target range of 3.5% to 3.75%, citing solid economic activity, low job gains, stable unemployment rate, and somewhat elevated inflation. The decision was approved by an 11-1 vote from the Federal Open Market Committee, with potential delays in rate cuts due to rising oil prices, political uncertainty, and geopolitical tensions.
Mar 18, 2026 10:31 AM
— Bond Markets
Fixed mortgage rates up dramatically since start of Iran war — and they’re unlikely to drop soon
Canadians are experiencing significant increases in bond yields due to the correlation with rising oil prices.
Mar 18, 2026 8:32 AM
— Mortgage Security Measures
Mortgage Applications Decrease in Latest MBA Weekly Survey
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Mar 18, 2026 8:31 AM
— Mortgage Finance
Iran Uncertainty Impacting Mortgage Lending
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Mar 18, 2026 8:02 AM
— Mortgage Rates
Mortgage Rates Dip on Fed Decision Day | Today, March 18, 2026
Mortgage rates slightly decreased after reaching multi-month highs. Economic indicators present a mixed picture, affecting interest rates pressure due to inflation concerns and geopolitical uncertainty. Refinancing or exploring home equity options are recommended. Different types of fixed and adjustable mortgage rates are discussed. Various factors like inflation data, the Federal Reserve's action... more
Mar 18, 2026 6:31 AM
— Mortgage Rates
What are today's mortgage interest rates: March 18, 2026?
The Federal Reserve is set to keep its federal funds rate untouched for another month. Mortgage interest rates are currently improved from the previous year, with the average rate on a 30-year mortgage at 6.00% and a 15-year mortgage at 5.50%. Homeowners are encouraged to consider a mortgage rate lock due to the possibility of rates rising in the near future. Refinancing rates are slightly lower, ... more
Mar 18, 2026 6:30 AM
— Bond Markets
Overnight Gains Erased by PPI/Oil. Fed on Deck
The Producer Price Index (PPI) data released today showed elevated components that flow through to a more important inflation metric. Bonds are reacting not only to PPI but also following oil prices. The Fed announcement and dot plot are scheduled for 2pm.
Mar 18, 2026 6:14 AM
— Mortgage Lenders
Credit Card Debt Before Mortgage: Can You Use a Personal Loan?
The article discusses how using a personal loan to pay off high-interest credit card debt can impact your mortgage application. It explains that while reducing credit card interest with a personal loan can save money over time, it does not automatically improve your mortgage application. The article provides tests to determine if using a personal loan will strengthen your application or introduce ... more
Mar 18, 2026 5:30 AM
— Mortgage Lenders
US Mortgage Rates Hit Highest This Year, Slowing Refinancing
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Mar 18, 2026 5:02 AM
— Interest Rates
Mortgage applications plunge as 30-year rates hit four-month high
U.S. mortgage application volumes dropped 10.9% as a spike in interest rates led to a decline in refinancing activity. The average contract interest rate for 30-year fixed-rate mortgages increased to 6.3%, the highest rate since December 2025. Refinance applications dropped 19%, with conventional refinance applications falling 27%. However, the market for home purchases saw a slight increase in ac... more
Mar 18, 2026 4:34 AM
— Home Equity Investment (HEI)
Who Qualifies for an HEI? Eligibility and What to Expect
Traditional lenders and Home Equity Investment (HEI) providers evaluate borrowers differently when it comes to accessing home equity. HEI providers focus on property value and equity rather than credit scores or debt-to-income ratios. HEI qualifications require 20% to 40% equity, a credit score of 500 to 620, and the property being a primary residence. HEIs do not have monthly payments and priorit... more
Mar 18, 2026 4:30 AM
— Online Security
Housing costs weigh more heavily on new homebuyers
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Mar 18, 2026 3:30 AM
— Mortgage Rates
Mortgage refinance demand plunges 19% after interest rates shoot higher
Mortgage rates increased last week to the highest level since the end of last year, leading to a 10.9% drop in total mortgage application volume. Refinance applications decreased significantly due to the rise in rates, while applications for home purchases saw a slight increase. Interest rates are still lower than they were a year ago, and affordability is improving in some markets.
DISCLAIMER: LoanGlass (previously known as mortgage-rates.ai) is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. LoanGlass is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.
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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