Mortgage News
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News for: National Mortgage News
Showing 121 - 144 of 402 results
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.
Dec 17, 2025 9:31 AM
— Mortgage Rates
Mortgage apps dip as rate stability stalls momentum
Mortgage applications have been fluctuating over the past two months as rates have stabilized. Fannie Mae and Freddie Mac have increased mortgage-backed securities and home loans on their balance sheets. A recent lawsuit is scrutinizing personnel moves within these companies. Consecutive weeks of mortgage rate increases led to a decrease in loan application volume. The Department of Housing and Ur... more
Dec 17, 2025 8:31 AM
— Mortgage Rates
Foreclosures starts, re-defaults inch up at banks: OCC
Newly initiated foreclosure actions at banks have increased, but overall financial institutions' home loans have remained resilient. The number of qualified refinance candidates has risen, the national mortgage delinquency rate has also increased, and promising trends are expected to ease affordability in 2026. The prepayment rate grew as mortgage rates fell, leading to higher refinancing volumes,... more
Dec 17, 2025 8:31 AM
— Mortgage Lenders
Bob Hart replaces Tim Bowler at ICE Mortgage Technology
Bob Hart is set to become president of ICE Mortgage Technology, with Tim Bowler being moved to another unit at Intercontinental Exchange. The House Financial Services Committee passed a markup of the Housing for the 21st Century Act by a significant margin. United Wholesale Mortgage's servicing portfolio is set to grow significantly through a new deal, while delinquencies are on the rise, especial... more
Dec 16, 2025 11:31 AM
— Housing Market
New-home sales post biggest annual gain since July
New-home sales in November had the largest year-over-year increase since July, even though mortgage rates remained stable. The Mortgage Bankers Association reported a drop in new-home mortgage applications but noted that the annual sales pace was the strongest in over a year.
Dec 12, 2025 10:32 AM
— Housing Market
Federal Housing Administration sets loan limits for 2026
The Federal Housing Administration has established the 2026 loan limits for loans it insures, including reverse mortgage programs. Fannie Mae and Freddie Mac have added mortgage-backed securities and home loans to their balance sheets, potentially to push down lending rates. Homebuilders are utilizing sales incentives to motivate buyers, and there is a push for a sharper valuation of home equity a... more
Dec 12, 2025 9:31 AM
— Interest Rates
Fed's Goolsbee, Schmid lay out case for interest rate pause
Three Federal Reserve officials disagreed with the decision to cut interest rates due to concerns about high inflation. Home equity gains slowed before falling into negative territory over the past year. Treasury yields rose following comments by Federal Reserve Chair Jerome Powell.
Dec 11, 2025 1:31 PM
— Mortgage Rates
Rate shopping could save borrowers over $1,100 a year
The article reports that 70% of U.S. home purchasers do not shop mortgage lenders for a lower rate, potentially costing them up to 50 basis points in higher payments. It also discusses changes in mortgage rates, mortgage debt-to-income ratios, high-risk markets, national median payments, and the potential drawbacks of a 50-year mortgage.
Dec 11, 2025 10:32 AM
— Mortgage Rates
Mortgage rates higher after FOMC rate cut priced in
The article discusses the impact of the Federal Open Market Committee short-term rate reduction on the mortgage industry. Mortgage rates have been fluctuating, with some slight increases and decreases over the past few weeks. Refinancing has pushed mortgage originations higher, while rising delinquencies suggest mounting borrower stress.
Dec 10, 2025 5:31 PM
— Mortgage Rates
Fed moves won't move needle on housing — yet
The Federal Reserve cut its federal funds rate, but Chairman Jerome Powell's comments may have more influence on lenders and home buyers. Mortgage rates have fluctuated with some decreases after consecutive weeks of increases, while refinancing and home equity lending continue to grow despite rising delinquencies.
Dec 10, 2025 9:31 AM
— Mortgage Loan Application Volume
Lower rates drive best November lock activity in years
Optimal Blue's Market Volume Index fell below 100 in November for the first time since August, reflecting typical seasonal trends. Rate-and-term refinances dropped 14% month over month in October but were still up 143% from last year. Mortgage loan application volume increased by 7.1% on a seasonally-adjusted basis last week.
Dec 10, 2025 4:33 AM
— Housing Market
Buyers and sellers fear housing market crash in 2026
A new consumer survey shows that many Americans in the housing market fear a real estate downturn in the new year and anticipate challenges. However, 88% of respondents are likely to purchase a home next year. Various reports from organizations like Remax, Redfin, and First American offer different perspectives on the housing market and affordability, with builders reporting record cuts in prices ... 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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