Mortgage News
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News for: National Mortgage News
Showing 97 - 120 of 402 results
Jan 26, 2026 2:33 AM
— Interest Rates
Prepayments Jump as lower rates spur December refi surge
Interest rates at the end of the year led to an increase in mortgage prepayment speeds in December as homeowners pursued refinancing. However, the national mortgage delinquency rate also rose significantly in November. Despite higher unemployment rates driving distress indicators up, most loans held by financial institutions are still performing. Lenders are advised not to expect significant monet... more
Jan 22, 2026 9:52 AM
— Mortgage Rates
Mortgage rates rise as investors react to Greenland comments
Mortgage rates moved slightly higher this week due to elevated 10-year Treasury yields, impacted by investor concerns over Pres. Trump's Greenland pronouncements. The 30-year fixed rate mortgage has been fluctuating recently but is expected to reach 6% for 2026.
Jan 22, 2026 4:32 AM
— Government Policy Impact on Mortgage Agencies
Trump administration ad hints at actions to widen credit box
President Trump's restrictions on institutional investors extend to single-family homes involved in loan workouts by government-related mortgage agencies, such as Fannie Mae and Freddie Mac. The agencies have been increasing their mortgage-backed securities and home loans on their balance sheets, sparking speculation about efforts to push down lending rates and boost profitability ahead of a poten... more
Jan 21, 2026 2:31 PM
— Mortgage Lenders
What Trump might say about housing during Davos meeting
There is fresh speculation about the future of Fannie Mae and Freddie Mac due to President Trump's upcoming remarks on housing. The 30-year fixed rate mortgage increased slightly last week but remains lower compared to a year ago. Fannie Mae and Freddie Mac are seen adding mortgage-backed securities and home loans to their balance sheets.
Jan 21, 2026 9:31 AM
— Interest Rates
Trump, again, calls on Congress to cap credit card rates
President Trump is calling for Congress to cap credit card interest rates at 10% for one year. He is also exploring new ways to address housing affordability issues, potentially including opening up more savings accounts for home purchases and reducing borrowing costs with the help of new leadership at the Fed.
Jan 21, 2026 4:31 AM
— Treasury Rates
Treasury curve steepens after Danish pension retreat
News of Danish pension funds exiting the US Treasury markets led to dramatic curve steepening trades at the market openings. Treasury yields have climbed to their highest level in over two months due to losses in global government-bond markets.
Jan 20, 2026 11:31 AM
— Housing Market
Non-QM goes mainstream as issuance hits new highs
Lender demand for non-QM and home equity securitizations is continuing into 2026 after a record year. There are promises of big announcements on housing affordability in Switzerland, but it is uncertain if it will include ending the GSE conservatorships. Cryptocurrency development in the mortgage industry has accelerated due to easing regulations. Treasuries sold off sharply after Danish pension f... more
Jan 17, 2026 4:33 AM
— Mortgage Lenders
Lenders group flags risks in single-bureau credit plan
The article discusses concerns from the Community Home Lenders of America regarding the transition to a single-bureau credit report option at government-sponsored enterprises. Lenders are facing continuous credit report price hikes, prompting a call for credit bureaus to address the issue. The Mortgage Bankers Association is examining data to determine if a premium cut is warranted, while some reg... more
Jan 16, 2026 9:31 AM
— Housing Market
New-home sales slip in December despite annual gains
New-home sales decreased in December compared to previous months but remained higher than in 2024. Mortgage activity dropped in December compared to October, with refinance applications leading the decline. However, there were promising trends in the past year that could improve affordability in 2026, including adjustable-rate and cash-out refinance mortgage programs. The contract rate on a 30-yea... more
Jan 15, 2026 10:04 AM
— Mortgage Rates
Mortgage rates reach three-year low after MBS buy order
Mortgage rates have dropped to their lowest levels in over three years due to a $200 billion purchase of agency mortgage-backed securities ordered by Pres. Trump. Mortgage lenders are exploring crypto-backed mortgages as Fannie Mae and Freddie Mac review digital assets for underwriting.
Jan 15, 2026 7:32 AM
— Cybersecurity in the Mortgage Industry
Union Home Mortgage says it paid ransom in data breach case
Union Home Mortgage paid a ransomware gang to delete sensitive data stolen in a cyberattack. Various industry vendors and lenders were impacted by cyberattacks and legal issues related to marketing programs and personal information disclosures were raised against some lenders.
Jan 13, 2026 3:47 PM
— Mortgage Rates
Lock activity increases in December, defying seasonal trends
Mortgage rate-lock activity ended the year strong despite seasonal trends. President Trump directed the purchase of $200 billion in mortgage bonds to lower housing costs. High non-mortgage debt levels can affect home loan underwriting. Cryptocurrency development in the mortgage industry has accelerated due to easing regulations.
Jan 13, 2026 10:31 AM
— Mortgage Lenders
Hallmark Home Mortgage accused in Ponzi scheme lawsuit
A racketeering lawsuit claims two Hallmark Home Mortgage employees helped a homebuilder in a construction Ponzi scheme. Additionally, a government-sponsored enterprise is facing allegations from fired workers for fraud, a bank did $16 billion in originations in the last quarter of 2025, and accusations against a lender relate to marketing programs and trips for brokers.
Jan 13, 2026 4:33 AM
— Mortgage Rates
Trump weighs retirement, education funds for home buying
The Trump administration is considering further housing initiatives beyond mortgage bond purchases, including potentially expanding the use of retirement and education savings accounts for home purchases. Additionally, there are concerns about a cyberattack affecting consumers and banks by industry vendor SitusAMC. President Trump directed the purchase of $200 billion in mortgage bonds to bring do... more
Jan 12, 2026 12:31 PM
— Mortgage Delinquency Rates
Card debt hits record amount as providers charge high rates
Americans hold more debt than ever, with the average credit card user carrying a balance of nearly $6,000. Refinance retention hit 28% last quarter, the highest percentage in three and a half years. The national mortgage delinquency rate jumped to 3.85% in November, a 15% increase from the previous month.
Jan 12, 2026 10:17 AM
— Mortgage Rates
Economists forecast just 50 basis points of Fed cuts in 2026
Only 14% of economists surveyed expect the next short-term rate reduction to take place at the January meeting of the Federal Open Market Committee. The 30-year fixed-rate mortgage dropped 3 basis points, reaching its lowest level since October. Despite this drop in mortgage rates, the 10-year Treasury yield used to price loans moved higher since Thanksgiving. Fannie Mae and Freddie Mac portfolio ... more
Jan 10, 2026 8:31 AM
— Mortgage-Backed Securities (MBS)
Trump's $200B MBS idea tightens spreads, raises doubts
President Trump's proposed $200 billion purchase of mortgage-backed securities could tighten MBS spreads in the near term. Fannie Mae and Freddie Mac's portfolio growth has contributed to narrower spreads, along with lower volatility. The two GSEs have been adding billions of dollars of MBS and home loans to their balance sheets, potentially in an effort to push down lending rates and boost profit... more
Jan 9, 2026 10:31 AM
— Mortgage Rates
Latest jobs report quashes rate cut expectations
The article discusses a mostly flat December jobs report that suggests a similar trend for housing and mortgage markets. Mortgage activity fell, with a 4% drop in refinance applications, while new-home purchase activity rose year over year but dropped from October. Despite an increase in inflation concerns, mortgage rates dropped to their lowest level since October.
Jan 8, 2026 10:10 AM
— Mortgage Rates
Conforming mortgage rates should be around 6% for 2026
Mortgage rates are anticipated to start off slightly higher in 2026 with expectations of potentially dropping below the 6% barrier. Despite the 30-year average staying consistent for weeks, the past year showed promising trends that could improve affordability in 2026. The 30-year fixed rate mortgage recently hit its lowest level since October, dropping 3 basis points. Even though mortgage rates d... more
Jan 8, 2026 9:31 AM
— Mortgage Lenders
Mortgage credit slips from peak as conforming products retreat
Loan credit availability increased from a year earlier but finished 2025 at its tightest in three months, with conforming products taking a notable dive. Fannie Mae and Freddie Mac portfolio growth contributed to the narrower spreads, along with lower volatility. The Mortgage Credit Availability Index rose 0.7% in November due to an influx of adjustable-rate and cash-out refinance mortgage program... more
Jan 6, 2026 1:31 PM
— Housing Market
How cash-strapped are millennial home buyers?
A quarter of millennials have more debt than savings, impacting their ability to afford a 10% down payment on a home. Concerns about a potential market crash and extreme weather conditions are influencing decisions in the housing market. Saving for a down payment has taken less time this year compared to previous years. Home equity is being seen as an important asset requiring accurate valuation a... more
Jan 6, 2026 6:31 AM
— Mortgage Rates
Mortgage spreads are narrowing, but for which reason?
The spread between the 10-year Treasury yields and 30-year fixed mortgage rates tightened at the end of 2025 due to increased holdings of mortgage-backed securities by Fannie Mae and Freddie Mac. The 30-year fixed mortgage rate is expected to reach 6% in 2026, with some observers believing it could go lower. Loanlogics introduced the LoanBeam NQM income analyzer. Originators with less than $59 mil... more
Jan 5, 2026 7:31 AM
— Mortgage Rates
CFPB raises HMDA exemption and escrow thresholds
Mortgage rates fluctuated in the weeks of January, with a rise to 6.24% on Jan. 23 and a drop to 6.18% on Jan. 9. Additionally, the Mortgage Bankers Association reported a rise in home-purchase applications by 5.1% on Jan. 16. Meanwhile, lenders with less than $59 million in assets last year are exempt from sharing home loan data with the government.
Jan 3, 2026 4:34 AM
— Mortgage Lenders
Fannie Mae fending off discrimination, defamation lawsuits
Fannie Mae is facing lawsuits from workers it fired last spring, accusing the company of discrimination and defamation. There have been allegations against Federal Housing Finance Agency Director Bill Pulte for privacy law violations and the misuse of personal mortgage records of a lawmaker. There have also been issues with loan originators not being able to operate in certain cities due to court ... more
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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.
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