Mortgage News
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Jan 12, 2026 4:32 AM
— Housing Market
The 2–4% mortgage trap is freezing housing: Defeasance may be the way out
The U.S. housing market has a lack of sellers due to homeowners holding mortgages with low interest rates from 2020-2022. Defeasance, a concept from commercial real estate finance, offers a potential solution by substituting the loan's payment stream with highly secure assets. This could help homeowners unlock equity trapped within their mortgages and encourage more mobility in the housing market.
Jan 12, 2026 4:30 AM
— Mortgage Rates
UK set for a 'booming' mortgage market, say analysts
Competition among lenders may lead to mortgage rate cuts in the coming weeks. The choice of mortgage products has increased, benefiting first-time buyers. Mortgage rates have fallen over the past year, with expectations for further declines early in 2026. Regulators are allowing more flexibility with mortgage affordability, leading to innovative products to help first-time buyers. There is pent-up... more
Jan 12, 2026 12:30 AM
— Mortgage Rates
Current mortgage rates report for Jan. 12, 2026
The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.138%, which has fluctuated slightly in recent reports. Rates have been impacted by factors such as Federal Reserve actions, economic conditions, and historical trends. Homebuyers have seen relief in rates starting in late 2025. Factors influencing mortgage rates include inflation fears, national debt, dem... more
Jan 11, 2026 7:31 PM
— Interest Rates
DOJ opens criminal investigation into Federal Reserve and Powell
The Department of Justice served the Federal Reserve with subpoenas threatening criminal charges over Fed Chair Jerome Powell's Congressional testimony regarding the renovation of the Fed's D.C. headquarters. Powell stated that the threat is actually about the Fed's independence in setting interest rates, rather than the renovation itself.
Jan 11, 2026 7:30 PM
— Mortgage Rates
Trump's $200 Billion 'People's QE' Mortgage Stimulus Plan Could Backfire, Economists Warn It Will Worsen 'Housing Affordability'
President Trump's proposal to purchase $200 billion in mortgage-backed securities is facing criticism from economists who warn that it could worsen housing affordability in the long run despite temporarily lowering mortgage rates. The plan involves tapping funds from government-sponsored enterprises Fannie Mae and Freddie Mac, raising concerns about political intrusion into monetary policy.
Jan 11, 2026 12:32 PM
— Housing Market
The impact of lower mortgage rates on housing inventory
The U.S. housing inventory growth has slowed to 9.99% year-over-year with mortgage rates near 6%. Price cuts have increased to 34.7% and new listings are below normal, indicating a shift in supply and demand dynamics in the housing market.
Jan 11, 2026 8:21 AM
— Mortgage Rates
A powerful force has been holding back the housing market. It’s finally easing.
The article discussing the mortgage lock-in effect may not be accessible at the given link.
Jan 11, 2026 7:32 AM
— Housing Market
Real Estate Newsletter Articles this Week:Housing Starts Decreased to 1.246 million Annual Rate
The Calculated Risk Real Estate Newsletter for the week includes information on housing starts decreasing, the 'home ATM' mostly closing in Q3, updates on local housing markets in December, declining asking rents, and analysis on the housing bubble and mortgage debt as a percent of GDP.
Jan 10, 2026 4:32 PM
— Mortgage Rates
December jobs data continues to support lower mortgage rates
December saw the slowest job growth in years, leading to mortgage rates staying near 6%. Trump's MBS policy and stable bond yields played a role. Despite a brief drop in rates to the 5s, the 10-year yield remained mostly unchanged. The BLS report showed 50,000 jobs created, making 2025 the lowest job-growth year this century if it wasn't for health care and social services labor. Unemployment rate... more
Jan 10, 2026 2:32 PM
— Housing Market
Schedule for Week of January 11, 2026
Key economic reports scheduled for release this week include December CPI, Existing Home Sales, November Retail Sales, New Home Sales for September and October, December Industrial Production report, and January New York and Philly Fed manufacturing surveys.
Jan 10, 2026 12:32 PM
— Housing Market
Jan. 10: What keeps the California MBA up at night; economic news originators should know about
Lotus Bakeries, the company responsible for Biscoff cookies, has seen revenue over $700 million. Meanwhile, President Trump posted jobs data early, revealing slower employment growth but a decline in unemployment rate. Trump's actions to push down mortgage rates may have only a modest impact and could worsen inventory shortages. the National Association of Local Housing Finance Agencies has releas... 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 10, 2026 6:30 AM
— Mortgage Lending
Mortgage Calculator: Here’s How Much You Need To Buy a $399,950 Home at a 6.16% Rate
The article discusses a processing issue with a request for an unspecified service or information related to real estate. It provides a reference ID for further assistance.
Jan 10, 2026 5:32 AM
— Federal Reserve
Fed's Flow of Funds: Household Net Worth Increased $6.1 Trillion in Q3
The Federal Reserve released the Q3 2025 Flow of Funds report containing the Financial Accounts of the United States.
Jan 10, 2026 4:32 AM
— Retirement Planning
Elon Musk says retirement savings could become ‘irrelevant’
Elon Musk suggested that future technological advancements could make retirement savings irrelevant, but critics disagree. Data shows retirees face challenges such as unexpected costs, housing and health care expenses, and fear of outliving savings. Experts warn that retirement insecurity is a current issue despite Musk's speculative vision.
Jan 10, 2026 4:31 AM
— Mortgage Rates
Mortgage rates dip below 6% following Trump’s $200B bond buy proposal
U.S. mortgage rates fell below 6% following a directive for Fannie Mae and Freddie Mac to purchase $200 billion of mortgage-backed securities. This drop in rates could increase affordability for homebuyers. Industry experts caution that the long-term impact will depend on execution and other factors like inflation and the Federal Reserve's policy. For now, buyers have an advantage due to more home... 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 6:30 PM
— Mortgage Lenders
Mortgage Bonds Explained: What Trump’s Latest Proclamation Means for Homeowners
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Jan 9, 2026 4:28 PM
— Mortgage Lending
CFPB hikes HMDA exemption threshold for 2026
The Consumer Financial Protection Bureau (CFPB) has raised the exemption threshold for financial institutions required to report mortgage loan-level information under the Home Mortgage Disclosure Act. Banks, savings associations, and credit unions with assets of $59 million or less are exempt from collecting loan-level data in 2026. The threshold for establishing an escrow account for higher-price... 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.
Jan 9, 2026 3:32 PM
— Mortgage Rates
Mortgage rates dip, sparking potential refinance surge
Mortgage rates briefly dropped below 6% for the first time in nearly three years, driven by a proposed $200 billion push in the secondary market. This decline is expected to boost refinancing volumes by up to 25%, as historically a 22-basis-point drop in the 30-year fixed mortgage rate leads to a 15% to 25% increase in refinance activity.
Jan 9, 2026 2:30 PM
— Bond Markets
Wild Ride For MBS as Traders Digest New Developments
The article discusses the impact of Trump's $200 billion MBS buying announcement on Treasuries and MBS. Initially, Treasuries lost ground after the jobs report while MBS experienced a significant rally. However, there was a period of distribution before prices bounced back. Higher coupons did not receive much attention due to assumptions about the new buying trends. Overall, there was massive MBS ... more
Jan 9, 2026 2:06 PM
— Mortgage Rates
Mortgage rate locks drop sharply on protracted uncertainty
Rate-lock volumes slowed in December, declining by nearly 19% overall due to borrowers navigating lingering uncertainty from the government shutdown and a mortgage-rate environment that has yet to improve. Annual lock volumes remained higher than last December, with total locks up nearly 30%. Mortgage rates have settled into the low sixes, with expectations indicating easing in the second quarter ... more
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The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 750 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 750 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.