Mortgage News
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News for: MBA Newslink
Showing 73 - 96 of 128 results
Jan 26, 2026 12:47 PM
— Mortgage Rates
Mortgage Rates Steady Ahead of Fed Meeting as Eyes Turn to Spring Housing Market
The Federal Reserve is projected to conclude a uneventful two-day meeting with no changes expected to mortgage rates, which are currently in the low-6% range. Benchmark rates are anticipated to remain unchanged.
Jan 26, 2026 5:33 AM
— Mortgage Rates
Lower Rates Drive Application Growth, Even As Homes Take Longer to Sell
The housing market is beginning to stabilize due to a decrease in mortgage rates according to a recent report from Redfin.
Jan 22, 2026 11:42 AM
— Mortgage Rates
Mortgage Applications Increase in Latest MBA Weekly Survey
Mortgage applications increased by 14.1% from the previous week, with the Refinance Index increasing by 20% and the Purchase Index increasing by 5%. Mortgage rates declined, prompting more refinance and purchase activity, with refinance applications accounting for over 60% of total applications. Average interest rates decreased across different loan types.
Jan 21, 2026 12:33 PM
— Mortgage Lending
MBA Leads Joint Trades Letter Offering Actions to Lower Costs for Mortgage Borrowers
The Mortgage Bankers Association, America’s Credit Unions, and the Independent Community Bankers of America sent a letter to the White House urging consideration of three near-term actions to lower costs for borrowers seeking home mortgages. These actions include ending the tri-merge credit reporting requirement, reducing mortgage insurance premiums, and reducing loan level price adjustments. The ... more
Jan 21, 2026 10:33 AM
— Mortgage Rates
Mortgage Applications Increase in Latest MBA Weekly Survey
Mortgage applications increased by 14.1% from the previous week. The Refinance Index increased by 20% from the previous week, and the Purchase Index increased by 5%. Mortgage rates declined, with the 30-year fixed rate averaging 6.16%, the lowest since September 2024. Refinance applications made up over 60% of total applications, while the average loan size increased.
Jan 21, 2026 9:40 AM
— Interest Rates
Chart of the Week: Mortgage Rates, 10-Year Treasury and 30-10 Spread
The spread between mortgage rates and Treasury rates has been narrowing due to decreased interest rate volatility and increased MBS purchases by the GSEs. This has led to a decrease in mortgage rates, which in turn has caused a surge in refinance applications and an increase in purchase applications. However, there is uncertainty about the long-term impact of these MBS purchases on the market.
Jan 20, 2026 6:32 PM
— Interest Rates
Realtor.com Finds More Mortgages Now Above 6% Than Below 3%
In the third quarter of 2025, 20% of outstanding mortgages had interest rates below 3% while 21.2% had rates of 6% or above. This shift may indicate a decrease in the 'lock-in' effect where homeowners with low rates are reluctant to move. The share of mortgages with rates between 3-4% was 31.5%, between 4-5% was 17.1%, and between 5-6% was 10.2%. Realtor.com predicts that the share of mortgages be... more
Jan 20, 2026 6:32 PM
— Mortgage Rates
Chart of the Week: Mortgage Rates, 10-Year Treasury and 30-10 Spread
The spread between mortgage rates and Treasury rates has decreased in recent months due to lower interest rate volatility and increased purchases of MBS by the GSEs. As a result, mortgage rates have dropped, leading to a surge in refinance applications and an increase in purchase applications. However, there is uncertainty regarding the longer-term impact of the GSEs' MBS purchases on market sprea... more
Jan 17, 2026 6:32 AM
— Mortgage Rates
Optimal Blue Reports Lock Volume Closes 2025 on Firm Footing
Mortgage rate-lock activity ended the year on a strong note with total lock volume increasing 2% month over month and 30% year over year. Refinances, especially rate-and-term, drove the growth. Cash-out refinance volume also saw an increase while purchase activity remained resilient. Mortgage rates were stable in December. Lenders made adjustments on the secondary side with widening spreads and in... more
Jan 17, 2026 4:38 AM
— Mortgage Rates
Optimal Blue Reports Lock Volume Closes 2025 on Firm Footing
Despite typical holiday-driven seasonality, mortgage rate-lock activity ended the year strong with total lock volume rising by 2% month over month from November and finishing 30% higher year over year. Rate-and-term refinances saw a significant increase of 13% from November and over 170% compared to December 2024. Mortgage rates remained stable in December with the 30-year conforming fixed rate at... more
Jan 16, 2026 10:32 AM
— Mortgage Rates
Chart of the Week: Mortgage Rates, 10-Year Treasury and 30-10 Spread
The spread between mortgage rates and Treasury rates has narrowed recently due to lower rate volatility, clear monetary policy, and increased MBS purchases by the GSEs. This has led to a decrease in mortgage rates and a surge in refinance applications. The long-term impact of the MBS purchases is uncertain, as other investors in MBS may choose to sell, potentially widening the spread again.
Jan 16, 2026 10:32 AM
— Mortgage Rates
Chart of the Week: Mortgage Rates, 10-Year Treasury and 30-10 Spread
The spread between mortgage rates and Treasury rates has been narrowing due to decreased rate volatility and increased purchases of MBS by the GSEs. This has led to lower mortgage rates, resulting in a surge in refinance applications and an increase in purchase applications. However, there is uncertainty about the longer-term impact of these MBS purchases on the market.
Jan 15, 2026 7:32 PM
— Housing Market
MBA: December New Home Purchase Mortgage Applications Increase 2.5%
Mortgage applications for new home purchases increased by 2.5% from the previous year but decreased by 3% from November. New home sales remain strong, with an annualized sales pace in December of 640,000 units. The estimate is based on mortgage application data and indicates a decrease in sales from the previous month. Conventional loans made up the majority of loan applications, with FHA loans al... more
Jan 15, 2026 2:32 PM
— Mortgage Rates
MCT: December Sees Monthly Decline in Mortgage Lock Activity
Mortgage Capital Trading reported that total lock volume decreased by 18.74% month-over-month in December. Borrowers were hesitant due to the lingering uncertainty from the government shutdown and challenging rate environment. Purchase lock volume, rate-and-term refinance lock volume, and cash-out refinance lock volume all saw decreases. Compared to December 2024, the volume was significantly high... more
Jan 15, 2026 7:33 AM
— Mortgage Rates
Mortgage Applications Increase in Latest MBA Weekly Survey
Mortgage applications increased significantly last week, with the Refinance Index up 40% and the Purchase Index up 16%. Joel Kan, the MBA's Vice President, attributed the increase to lower rates, with the 30-year fixed rate dropping to 6.18%. The refinance share of mortgage activity increased to 60.2% of total applications, and the average contract interest rates for various types of mortgages eit... more
Jan 14, 2026 6:32 PM
— Mortgage Rates
Redfin Reports Housing Payments Drop to Lowest Level in Two Years
The median monthly housing payment has decreased to $2,365, the lowest level since early 2024, due to a drop in mortgage rates. Despite this decrease, pending home sales and new listings are down, indicating a slow market. The housing market is currently experiencing a 'holiday hangover' season, but with lower mortgage rates, buyers and sellers may start to re-emerge.
Jan 14, 2026 4:33 AM
— Housing Market
Delayed New-Home Sales Report Beats Expectations
New home sales in October exceeded expectations, reaching a 737,000 annualized pace, just 1,000 units shy of September's figure. The strong sales were attributed to easing mortgage rates, builder incentives, and price flexibility drawing buyers back into the market. If mortgage rates continue to decrease, the upcoming spring selling season may see further strengthening of buyer activity.
Jan 13, 2026 3:32 PM
— Mortgage Lending
MCT: December Sees Monthly Decline in Mortgage Lock Activity
Mortgage Capital Trading reported that total lock volume decreased by 18.74% month-over-month in December. Borrowers were more cautious due to uncertainty from the recent government shutdown and challenging rate environment. Purchase lock volume, rate-and-term refinance lock volume, and cash-out refinance lock volume all declined. Despite the monthly decrease, lock volume was significantly higher ... more
Jan 13, 2026 11:32 AM
— Housing Market
Advocacy Update: MBA Shares Housing Affordability Recommendations to Trump Administration Ahead of Upcoming Announcement
President Trump is taking steps to ban large institutional investors from buying single-family homes and is calling on Congress to codify it. The White House is drafting an executive order to improve housing affordability, including allowing people to use retirement savings for down payments. Trump instructed the GSEs to buy $200 billion in mortgage bonds to reduce mortgage rates. The MBA supports... more
Jan 12, 2026 8:32 PM
— Housing Market
More ‘For Sale’ Signs Sparks Cautious Optimism for Existing-Home Sales This Year
Existing-home sales increased in November with positive momentum suggesting the housing market is slowly thawing, although still below pre-pandemic levels. Factors like affordability, inventory, and demographics are aligning to support more sales activity. Affordability is improving, inventory is increasing, and demographic trends indicate built-in demand. However, the lock-in effect of low mortga... more
Jan 12, 2026 2:32 PM
— Housing Market
More ‘For Sale’ Signs Sparks Cautious Optimism for Existing-Home Sales This Year
Existing-home sales increased in November, with positive momentum suggesting a slow thaw in the housing market. Affordability, inventory levels, and demographics are aligning to support more sales activity. However, the lock-in effect of low mortgage rates, uncertainty, and elevated rates are still hindering turnover. The most likely scenario is a gradual improvement in the market, with incrementa... more
Jan 9, 2026 10:32 PM
— Housing Market
MCT: December Sees Monthly Decline in Mortgage Lock Activity
Mortgage Capital Trading reported that total lock volume decreased by 18.74% month-over-month in December, with borrowers being cautious due to uncertainty after the government shutdown and challenging rate environment. Purchase lock volume, rate-and-term refinance lock volume, and cash-out refinance lock volume all experienced decreases. Despite the drop in December, volume was higher compared to... more
Jan 9, 2026 6:32 PM
— Housing Market
Advocacy Update: MBA Shares Housing Affordability Recommendations to Trump Administration Ahead of Upcoming Announcement
President Donald Trump is planning to announce housing affordability policy actions, including banning large institutional investors from buying single-family homes. In addition, the White House is drafting an executive order to allow people to use retirement and college savings for down payments. Trump also instructed the GSEs to buy $200 billion in mortgage bonds to lower mortgage rates. The Mor... more
Jan 9, 2026 3:33 PM
— Mortgage Rates
Conforming Mortgage Rates Should Remain Around 6% in 2026
Mortgage rates have increased slightly at the beginning of 2026, as reported by Freddie Mac. There is anticipation that rates may reach or even drop below the 6% mark.
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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.