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News for: Interest Rates
Showing 217 - 240 of 314 results
Jul 14, 2025 12:00 PM
— Interest Rates
Mortgage Rates Just a Hair Higher Ahead of Important Inflation Report
Mortgage rates have remained steady, with slight increases, after a period of overall rising rates. The upcoming release of the Consumer Price Index (CPI) is anticipated to have a significant impact on interest rates, especially considering the potential effects of tariffs on inflation. Depending on the CPI results, rates could either increase further or recover slightly.
Jul 14, 2025 8:00 AM
— Interest Rates
Current mortgage rates report for July 14, 2025: Rates continue to hold steady
The average interest rate for a 30-year, fixed-rate conforming mortgage loan is 6.699% in the U.S. Rates have remained relatively stable, but historically, rates are higher than they have been in the past. Mortgage rates are impacted by economic conditions, federal funds rate, national debt, demand for home loans, and Federal Reserve actions. Shopping around for loans and improving your credit sco... more
Jul 14, 2025 3:00 AM
— Interest Rates
Mortgage and refinance interest rates today for July 14, 2025: Rates remain stagnant before inflation news
Current mortgage interest rates have remained relatively unchanged with the average 30-year fixed rate at 6.63%. The rates may shift after the release of the June Consumer Price Index, influencing Federal Reserve plans on potential rate cuts. Different mortgage rates for fixed, VA, and adjustable-rate mortgages are provided. Factors influencing choosing between a 15-year and 30-year mortgage are d... more
Jul 13, 2025 12:00 PM
— Interest Rates
30-Year Treasury Yield Jumps to 4.96% despite “Solid” Auction, Long End of Yield Curve Steepens, Mortgage-Rate Spread Historically Wide
The 30-year Treasury yield rose despite efforts to keep it down, increasing concerns about inflation and supply absorption in the market. The Fed's rate cuts have led to an increase in the 30-year yield. There is disagreement within the FOMC about rate cuts, and the CPI report may influence future decisions. The relationship between the average 30-year fixed mortgage rate and the 10-year yield is ... more
Jul 12, 2025 7:01 AM
— Interest Rates
Mortgage and refinance interest rates today, July 12, 2025: The 30-year fixed rate holds steady
Today's mortgage interest rates are stagnant, with a 30-year fixed rate standing at 6.63% and a 15-year fixed rate at 5.89%. Locking in an interest rate with a mortgage lender during flat rate periods can be advantageous. It is recommended to choose a lender with a rate buydown option. Mortgage refinance rates are typically higher than rates when buying a house. The 30-year fixed mortgage offers l... more
Jul 11, 2025 11:11 AM
— Interest Rates
Surging rate-and-terms push lock volumes upward
Mortgage lock volumes increased due to a rise in refinance activity, while purchase numbers are still lower potentially due to high mortgage rates. The 30-year fixed mortgage rate rose for the first time in six weeks, driven by strong jobs report and tariff uncertainty. Lenders are offering more products for the spring season, but buyers are hesitant.
Jul 11, 2025 8:00 AM
— Interest Rates
‘Dating the rate’ misled borrowers. Now they’re financially strained
After the pandemic, rising mortgage rates led borrowers to prioritize finding a house they loved over focusing on interest rates, leaving many in long-term relationships with higher rates. Homeowners now face challenges in refinancing and increased monthly payments due to rising taxes and insurance costs.
Jul 9, 2025 7:03 AM
— Interest Rates
Bonds Sticking to Predictable Script So Far This Week
The article discusses how the bond market is often unpredictable when it comes to interest rate movement, but there are certain conditions that can result in somewhat reliable patterns. After a sell-off due to a big data flash point, the market tends to undergo a correction before settling into a sideways range trade while waiting for more meaningful data or events to drive a breakout.
Jul 7, 2025 2:08 PM
— Interest Rates
NY Fed report: Return to zero rates a 'significant' risk
Market concerns remain about a return to zero interest rates despite the Federal Reserve's policy rate being far from its lowest point. Federal Reserve Banks of New York and San Francisco conducted findings on this issue. Additionally, a federal judge rejected defenses by a brokerage selling loans to United Wholesale Mortgage and Rocket Pro TPO, while government-sponsored enterprises are tightenin... more
Jul 2, 2025 10:00 AM
— Interest Rates
Refi applications soar as homeowners seize on lower rates
Last week, homeowners took advantage of low interest rates to refinance their mortgages. Mortgage applications have been rising, with borrowers showing interest in FHA loans and refinancing. A mortgage firm is offering a lower interest rate for one year to borrowers who use their services to refinance. Treasuries fell due to a selloff in the UK bond market, and the industry leader filed a rare the... more
Jun 27, 2025 3:01 AM
— Interest Rates
Researchers find 'surprise' in new mortgage delinquency data
Early- and mid-stage mortgage delinquencies have seen significant yearly increases, indicating possible signs of borrower financial stress. The 30-year fixed rate mortgage is currently below 6.8% for the first time since May, influenced by the movement of the 10-year Treasury rate.
Jun 24, 2025 8:01 AM
— Interest Rates
Top CD Rates Today: June 23, 2025 | Leading Rate Of 4.51% APY Holds Steady
A certificate of deposit (CD) is like a savings account but offers a fixed interest rate for a specific term. Currently, the top APY across CD terms is 4.51 percent for a six-month term. CD rates have trended downward, with the highest one-year CD APY decreasing from 5.66 percent to 4.45 percent. Uncertainty remains about how CD rates will change based on economic conditions.
Jun 24, 2025 8:00 AM
— Interest Rates
Rally Continues as Powell Shows a Path to Rate Cuts
Federal Reserve Chairman Powell's remarks during congressional testimony suggest a potential for rate cuts in the near future if data on tariffs does not show up in June.
Jun 24, 2025 3:00 AM
— Interest Rates
High-yield savings rates today: June 23, 2025 | Best APY remains 4.30% after Fed’s latest rate decision
Federal Reserve officials have decided to keep interest rates steady at a range of 4.25-4.5 percent, which has caused high-yield savings account rates to somewhat stabilize. Several banks are offering competitive rates for high-yield savings accounts. The Fed's rate decision, along with projected rate cuts, could continue to impact interest rates on savings accounts. Savers are benefiting from rat... more
Jun 23, 2025 1:00 PM
— Interest Rates
High rates, prices keep existing home sales muted
Existing home sales in May were slightly stronger than expected but still slower than last year's pace. Median existing home sales price reached a new record high of $422,800. NAR Chief Economist Lawrence Yun stated that lower mortgage rates are needed to boost sales and economic growth. Fannie Mae adjusted its forecast for existing home sales to 4.14 million and predicted 30-year mortgage rates t... more
Jun 23, 2025 12:00 PM
— Interest Rates
Mortgage Rates Lowest Since May 1st
Mortgage rates ended the week at their best levels since May 1st, with a small improvement marking it official. Bond market trading levels played a significant role in these rates, with several factors impacting them such as U.S. involvement in conflicts between Israel and Iran and comments by Fed Vice Chair Bowman hinting at potential rate cuts in July.
Jun 23, 2025 3:04 AM
— Interest Rates
Mortgage pros share tips for riding out volatility
Mortgage lenders are currently experiencing unprecedented levels of volatility driven by geopolitical tensions, trade policy shifts, and global headlines. Despite this, the 30-year fixed-rate mortgage has remained relatively stable since a post-tariff spike. While Agency mortgage-backed securities have slipped since April, the rates are still lower compared to last year. The 30-year FRM has stayed... more
Jun 21, 2025 5:02 AM
— Interest Rates
Underwhelming (But Friendly) Conclusion
This week did not offer much excitement in the mortgage market as rates remained near the lower end of recent ranges. Bond yields initially looked like they may rise, but reversed course after dovish comments from Fed's Waller and a beneficial European close. Overall, rates were moderately weaker overnight, bounced back slightly after morning data, and ended the day in modestly stronger territory.
Jun 19, 2025 6:00 PM
— Interest Rates
China keeps key lending rates steady after May cut as trade deal with U.S. eases growth worries
China kept its benchmark lending rates unchanged after recent monetary easing measures and a trade deal with the U.S. eased growth concerns. The 1-year LPR stayed at 3.0% and 5-year LPR at 3.5%. The trade truce has allowed Beijing to support its currency and reduce pressure on foreign exchange. Chinese policymakers are satisfied with current monetary policy outcomes.
Jun 18, 2025 9:00 AM
— Interest Rates
What the Fed’s Rate Decision Means for Loans, Credit Cards, Mortgages and More
The article discusses how the central bank's interest rate decisions impact various financial products such as car loans, credit cards, mortgages, savings accounts, and student loans.
Jun 18, 2025 8:02 AM
— Interest Rates
Once Again: Today is Not About a Fed Rate Cut
The Federal Reserve is not expected to cut rates, as the labor market is strong and there is no significant inflation. The market is confident in the Fed's course of action, with focus now on the dot plot and press conference.
Jun 18, 2025 4:00 AM
— Interest Rates
Mortgage demand drops, even as rates fall to the lowest since April
Weak consumer sentiment is impacting the housing market, with a 3% decrease in mortgage applications to purchase a home last week. The average contract interest rate for 30-year fixed-rate mortgages also decreased. Refinance activity declined for both conventional and government borrowers, but VA applications increased. Mortgage rates have not moved much, but there may be more reaction after the F... more
Jun 18, 2025 3:00 AM
— Interest Rates
High-yield savings rates today: June 16, 2025 | Many banks are still offering a top yield of 4.30% APY
The annual inflation rate increased to 2.4 percent in May, potentially leading the Federal Reserve to hold off on cutting its benchmark federal funds rate. High-yield savings accounts offer a safe way to earn interest, with top yields remaining at 4.30% APY as of mid-June. With inflation on the rise, experts expect the Fed to keep interest rates steady, providing more time to assess the impact of ... more
Jun 17, 2025 10:24 AM
— Interest Rates
No Fed rate cut until September at earliest, economists say
Economists surveyed by Wolters Kluwer do not expect the Federal Reserve to cut short-term rates at its upcoming meeting, and only a small percentage of them expect any action to be taken in July. Treasuries slumped after US job and wage growth led to reduced expectations of a rate cut by the Federal Reserve. Despite positive economic data, concerns about the economy's direction persist among consu... more
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The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 600 lenders. Mortgage-Rates.ai 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@mortgage-rates.ai
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 600 lenders. Mortgage-Rates.ai 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@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.