Mortgage News
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News for: Scotsman Guide
Showing 97 - 120 of 142 results
Jan 7, 2026 4:31 PM
— Housing Market
Trump’s proposed institutional investor ban for single-family homes sparks debate
President Donald Trump announced plans to ban large institutional investors from buying more single-family homes, leading to mixed reactions within the housing industry. Some feel that private capital plays a crucial role in increasing housing supply, while others believe the ban could help alleviate the affordability crisis. Experts like Rick Sharga argue that the root cause of affordability issu... more
Jan 7, 2026 7:40 AM
— Mortgage Applications
Holiday lull hits mortgage demand hard
Mortgage applications declined by 9.7% in the last two weeks of the year, with purchase activity down 6%. Refinance activity remained high, with the refinance share of overall activity increasing to 56.6%. The average contract interest rates for 30-year fixed-rate mortgages dropped slightly. Despite low rates, there were weekly declines in conventional and FHA purchase applications, with the avera... more
Jan 7, 2026 5:31 AM
— Mortgage Lending
MBS volatility could rise amid government retreat
The U.S. housing finance system heavily relies on government intervention to stabilize the secondary mortgage markets. The Urban Institute's analysis raises questions about whether government entities should be playing a stabilizer role in the agency MBS markets during times of economic stability. The Federal Reserve stepping in to purchase MBS has been key in subsidizing mortgage rates during eco... more
Jan 6, 2026 12:31 PM
— Mortgage Insurers
U.S. mortgage insurance sector on solid footing in 2026: Fitch
Fitch Ratings believes U.S. mortgage insurers are well positioned entering 2026 due to robust capital positions and steady underwriting performance. The adherence to stringent capital requirements and high-quality loan portfolios are highlighted as factors contributing to the sector's resilience. Despite potential challenges like high interest rates and affordability issues, the industry is expect... more
Jan 5, 2026 5:31 AM
— Mortgage Lending
Mortgage innovation being driven by AI and automation
Financial services firms are leveraging artificial intelligence (AI) to increase productivity and efficiency. Mortgage lending is also adopting AI to optimize operations, reduce closing costs, and automate manual tasks. AI tools can automate data processing, generate borrower narratives, improve communication with chatbots, and expedite the closing process. Predictive analytics supported by AI can... more
Jan 3, 2026 6:31 AM
— Housing Market
Freddie Mac reports concentrated home price declines in Florida
Home prices across the U.S. have softened in 2025, with only two of the 40 select metros tracked by Freddie Mac lower than November 2022 levels. Austin, San Antonio, and Tampa have experienced notable price declines from their peaks. Providence and Charlotte have shown strong price resilience, while New York and Philadelphia saw peak prices in November.
Jan 2, 2026 5:32 PM
— Cybersecurity and AI in the Mortgage Industry
AI exploits mortgage industry’s underfunded cyber defenses
A series of cyber attacks targeting major U.S. financial institutions involved in the mortgage industry have highlighted the vulnerability of mortgage companies to data breaches. The article discusses how cyber threats, especially those leveraging AI, are evolving, and the industry's slow adoption of AI-based security measures. It also touches on the regulatory debate over how to govern AI in a wa... more
Jan 1, 2026 4:34 AM
— Mortgage Market - Fannie Mae and Freddie Mac Privatization
Ackman doubles down on warning against rushed Fannie-Freddie IPO
Bill Ackman is cautioning the Trump administration against rushing the privatization of Fannie Mae and Freddie Mac, proposing a slow and steady reform plan that involves the U.S. Treasury formally acknowledging the GSEs have repaid their bailout funds before taking an ownership stake in the companies. Ackman believes that a rushed IPO would undervalue the mortgage giants and destabilize the housin... more
Dec 31, 2025 4:31 PM
— Interest Rates
Mortgage rates close out 2025 on a low note
In 2025, interest rates for 30-year fixed-rate mortgages gradually improved throughout the year, ending at 6.15%. Borrowers took advantage of slight rate relief to refinance. Projections for 2026 show rates remaining stable, with different organizations forecasting averages around 6-6.4%.
Dec 29, 2025 11:31 AM
— Housing Market
MBA, Fannie Mae see 2027 housing market very differently
The Mortgage Bankers Association and Fannie Mae have differing projections for the U.S. housing market in 2026 and 2027. While both forecast an increase in purchase volumes and average 30-year fixed-mortgage rates around 6%, they diverge on the extent of growth. Fannie Mae expects more sustained sales momentum and higher purchase volumes compared to MBA's projections, with differences also seen in... more
Dec 29, 2025 4:35 AM
— Mortgage Lending
AI is reshaping private lending marketing with precision and speed
Artificial intelligence has transformed marketing and audience engagement in the private lending industry, leading to more targeted, data-driven strategies. Automation is key in streamlining repetitive tasks, enabling teams to focus on strategic initiatives. While AI brings speed, automation, and insights, marketing in private lending still requires human touch for trust, authentic communication, ... more
Dec 25, 2025 4:33 AM
— Interest Rates
Trump draws a red line for the next Fed chair
President Trump is narrowing down potential nominees for the next Federal Reserve Chair based on their loyalty to his low interest-rate agenda. The two main contenders are Kevin Hassett and Kevin Warsh. Hassett is seen as the loyalist choice while Warsh is a more traditional candidate favored by Wall Street. The decision is expected in the coming weeks.
Dec 24, 2025 9:31 AM
— Mortgage Rates
U.S. mortgage applications slide 5% despite rate drop
Mortgage loan application volume in the U.S. decreased by 5% for the week ending Dec. 19, 2025, despite a decrease in mortgage rates. Refinance activity increased compared to a year ago, while purchase activity was higher year-over-year. Mortgage interest rates varied across different loan products.
Dec 23, 2025 11:07 AM
— Mortgage Rates
Has the 30-year mortgage run its course?
The U.S. housing finance system's use of 30-year, fixed-rate mortgages sets it apart from other countries where shorter-term, adjustable-rate products are more common. The stability of the 30-year loan has led to long-term homeownership and wealth accumulation for many households, but it can also limit mobility during economic downturns. Despite the low mortgage rates brought by the pandemic, home... more
Dec 18, 2025 3:31 PM
— Housing Market
Homebuyers and sellers loathe this housing market
Housing market indicators show that homebuyers and sellers are not satisfied with the current market conditions, with sales on track to match or slightly exceed lows from the previous year. Fannie Mae did not release its Home Purchase Sentiment Index for November, indicating a lack of optimism among buyers and sellers. The sentiment has been impacted by economic developments, high mortgage rates, ... more
Dec 18, 2025 1:31 PM
— Housing Market
Rising mortgage rates erode profit margins for home flippers in 2025
The fix-and-flip housing market is facing challenges in late 2025 due to high mortgage rates, leading to lower demand and reduced prices on renovated properties. Buyers are reluctant to finance the higher price tags, resulting in an average discount on final sales prices. The advantage flippers had in 2021 has decreased, with renovated homes spending fewer days on the market but commanding smaller... more
Dec 17, 2025 4:31 PM
— Interest Rates
Christopher Waller makes his final play for Fed chair
Federal Reserve Governor Christopher Waller predicted multiple interest rate cuts in 2026. He spoke to business executives at a summit hosted by Yale University, addressing concerns about job growth, home buying, and AI's impact on the labor market. Waller emphasized the importance of central bank independence in an interview with President Trump. He has been bullish on rate cuts since July and is... more
Dec 17, 2025 11:11 AM
— Mortgage Rates
Mortgage rate locks in ‘holding pattern’ ahead of crucial jobs data
Mortgage-rate lock volumes declined in November, following seasonal patterns, with a 4% decrease from October. Year-over-year, lock volumes were 32% higher, with rate-and-term refinances leading at 403% higher than a year ago. The future outlook for the mortgage market will depend on investors' reactions to upcoming employment reports.
Dec 17, 2025 10:24 AM
— Interest Rates
Mortgage applications slide as rates tick up following Fed meeting
Mortgage loan application volumes in the U.S. decreased due to rising interest rates, impacting both refinancing and home purchases. The Refinance Index decreased 4%, while the Purchase Index dropped 7%. The Fed's recent rate cut and seasonal factors influenced the data, causing the refinance share of mortgage activity to increase to 59%.
Dec 17, 2025 4:32 AM
— Mortgage Lenders
Freddie Mac names new CEO
Kenny M. Smith has been named the next CEO of Freddie Mac, replacing Mike Hutchins who will remain as President. Smith brings over 25 years of experience from Deloitte Consulting LLP and will focus on expanding access to homeownership and rental housing.
Dec 15, 2025 4:34 AM
— Housing Market
Unemployment rate spikes, showing labor market vulnerabilities
The unemployment rate rose to 4.6% in November, with 64,000 jobs added. Job losses in October were attributed to the federal workforce reduction. The rise in unemployment is seen as significant by the Mortgage Bankers Association. Housing industry experts predict increased home sales activity and mortgage loan production in 2026 due to lower mortgage rates resulting from economic headwinds.
Dec 12, 2025 4:33 AM
— Mortgage Lenders
Fannie Mae overhauls renovation lending, expands ADU eligibility
Fannie Mae announced updates to its Single-Family Selling Guide, introducing a new energy efficiency loan program called HomeStyle Refresh, expanding eligibility for ADUs, and making enhancements to the HomeStyle Renovation product. The changes aim to modernize housing stock, increase affordable inventory, and support flexible, resilient, and sustainable housing options.
Dec 11, 2025 6:31 PM
— Delinquency Rates
Metros exhibit pockets of stress amid stable mortgage delinquency rates
The national mortgage delinquency rate remained low and unchanged from a year ago in September. However, serious delinquencies and foreclosure rates saw slight increases. Data shows a trend of borrowers struggling to catch up once they fall behind on payments, contributing to challenges for delinquent borrowers. Arizona, Nevada, and Georgia saw the largest annual increases in delinquency rates, wi... more
Dec 11, 2025 2:31 PM
— Interest Rates
Fed’s uncertain interest rate path highlights dilemma of data dependence
The Federal Reserve recently reduced the federal funds rate by 0.25%, even without complete government data due to the shutdown. The Fed believes that negative job growth is a bigger risk than inflation. Although mortgage rates are currently stuck, the Fed's decisions will impact them slightly in the future. Mortgage rates are projected to stay in the low-6% range until 2026. Concerns are emerging... more
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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.