Mortgage News
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News for: National Mortgage News
Showing 97 - 120 of 389 results
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
Jan 3, 2026 4:33 AM
— Government-Sponsored Enterprises
Some paths to recap and release longer than others: Wedbush
Discussions are underway regarding a potential move to recapitalize and release government-sponsored enterprises from conservatorship, with focus on big players in the industry, Wall Street, tech firms, and community lenders calling for policymakers to protect certain aspects of the industry. Fannie Mae and Freddie Mac have been adding mortgage-backed securities and home loans to their balance she... more
Dec 31, 2025 10:23 AM
— Mortgage Lenders
30-year conforming mortgage rate ends year at low point
The 30-year fixed rate mortgage is ending 2025 at its lowest point for the year, but still in the same flat range it occupied since late October. Trusted American Mortgage is under new operational control after the resignation of the CEO. AI technology in the mortgage industry has the potential to greatly benefit companies. Some professionals are unable to originate loans in their local cities due... more
Dec 30, 2025 2:00 PM
— Housing Market
Home-price appreciation slows toward end of year
Home-price growth is slowing as the year comes to an end, leading to improved housing affordability in 2026. Mortgage rates have been fluctuating, but dropped recently. Homebuilders are offering incentives to motivate buyers.
Dec 29, 2025 2:42 PM
— Mortgage Lenders
HUD says 50-year still on table, industry eyes challenges
Industry experts are reiterating suggestions for things to consider before committing to the beleaguered 50-year mortgage, which is one of many housing initiatives under consideration for the new year. Patrick Terrance Donlon settled allegations from 21 states related to industry education courses, Fannie Mae predicts growth in refinance activity but flattening purchases may temper lender momentum... more
Dec 29, 2025 2:31 PM
— Housing Market
Mortgage mergers and acquisitions in 2025
The mortgage industry saw significant consolidation and rumors of major deals in 2025, such as the potential merger of Fannie Mae and Freddie Mac. While some deals fell through, there was speculation about public offerings and efforts to boost profitability. Mortgage rates remained relatively stable throughout the year, with experts predicting they will continue to do so. Retail trader activity an... more
Dec 29, 2025 10:40 AM
— Mortgage Rates
The most-read mortgage news stories of 2025
The mortgage industry saw increased interest from readers due to falling rates and improved affordability this year. The Mortgage Bankers Association's index of home-purchase applications increased by 7.6% in a week in November. Additionally, the contract rate on a 30-year mortgage dropped to 6.32% in the same month. Builders reported cutting prices in November, with 65% using sales incentives. Th... more
Dec 26, 2025 11:42 AM
— Mortgage Lending
MLO fined, barred in 21 states for alleged education fraud
A mortgage loan originator has settled a coordination action brought by 21 states, permanently barring him from working in the industry in 19 of those.
Dec 25, 2025 8:44 AM
— Mortgage Rates
Fannie Mae ups mortgage originations outlook
Fannie Mae has revised its 2026 mortgage expectations slightly upward, anticipating a rise in new loan volume closer to pandemic levels. The new cap per company has been increased to $88 billion, with recent growth in mortgage-backed securities raising speculation about efforts to push down lending rates. Mortgage activity fell in December, but the industry operating environment is expected to imp... more
Dec 24, 2025 11:14 AM
— Mortgage Rates
Mortgage applications decline for second consecutive week
Home loan applications have decreased for the first time in two months, while the national mortgage delinquency rate has increased in November. Fannie Mae expects growth in refinance activity but predicts a slowdown in purchases. The 30-year fixed rate mortgage has dropped to its lowest level in months.
Dec 24, 2025 10:14 AM
— Mortgage Rates
Benchmark mortgage rate drops to second lowest point in 2025
A key mortgage rate fell to its lowest point since the end of October but remained in the same general range it has occupied in the fourth quarter. The article also mentions an expected rise in the issuance of nonqualified mortgages and seconds, with potential impacts from home prices, credit, and the GSEs on private-label bonds' trajectory.
Dec 23, 2025 9:35 AM
— Housing Market
Delinquencies jump to 4-year high
Mortgage delinquency rates rose sharply to a four-year high but are still in line with historical trends. AI tools are reshaping mortgage marketing, causing lenders to rethink SEO and brand authority. A judge dismissed 13 claims against United Wholesale Mortgage. Properties sold for 1.6% below asking prices leading to inventory slowdown. A Massachusetts Democrat requested records related to second... more
Dec 20, 2025 8:37 AM
— Housing Market
Mortgage brokers optimistic about housing market in 2026
Mortgage brokers are optimistic about the year ahead, with many expecting more business. Housing affordability is projected to improve by 3% next year. Confidence among US homebuilders increased in December. Investors have already adjusted mortgage rates to include a recent reduction announced by the FOMC. A survey found that 88% of respondents are likely to purchase a home next year. Different ag... more
Dec 18, 2025 10:24 AM
— Mortgage Rates
Mortgage rates flatline following recent Fed cut
Mortgage rates have largely remained consistent over the past few weeks, despite the Federal Reserve's decision to cut rates. Rates have only fluctuated within a small range since mid-September, with the 30-year fixed rate currently at 6.22% and the 15-year rate at 5.50%. Mortgage activity decreased recently, with a significant drop in refinance applications.
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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.