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News for: Interest Rates
Showing 25 - 48 of 359 results
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 31, 2025 7:30 AM
— Interest Rates
What's the Outlook for Interest Rates in 2026?
The Federal Reserve is considering cutting interest rates in 2026, but this may not result in equal reductions in consumer borrowing costs. Credit card APRs could fall somewhat, auto loan rates may take longer to decrease, and high-yield savings accounts are offering lower interest rates. Mortgage rates, particularly fixed-rate mortgages, may not decrease following a Fed rate cut, as they are tied... more
Dec 31, 2025 5:30 AM
— Interest Rates
A Bit of Actual Data-Driven Selling Thanks to Jobless Claims and Wonky Seasonal Adjustments
Robots and algorithms are reacting to the sub-200k Jobless Claims print during a half-day trading session, but may not be aware that the number is distorted by Christmas falling on a Thursday. Seasonal adjustment factors are usually attuned to scenarios where Christmas falls on a Monday. The same issue occurred after Thanksgiving and claims rebounded the following week. The lack of other market in... more
Dec 30, 2025 4:32 PM
— Interest Rates
Wednesday: Unemployment Claims
On Wednesday, the initial weekly unemployment claims report will be released at 8:30 AM. Mortgage rates are from MortgageNewsDaily.com for top tier scenarios.
Dec 28, 2025 4:30 AM
— Interest Rates
How Bond Markets Could Keep Mortgage Rates High
Analysts are predicting that long-term rates may remain high in 2026 even as the Federal Reserve cuts interest rates. This could lead to borrowing costs remaining expensive for homebuyers and businesses, despite Fed rate cuts. The bond market is showing signs of 'easing paradox' where long-term rates are not decreasing in response to short-term rate cuts by the Fed. Some economists foresee the 10-... 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 4:30 AM
— Interest Rates
Current mortgage rates report for Dec. 24, 2025
The article discusses the average interest rate for a 30-year fixed-rate mortgage in the U.S., trends in mortgage rates, the impact of economic factors on rates, the role of the Federal Reserve, and tips for obtaining the best mortgage. It also touches on historical mortgage rates, the influence of inflation, national debt, demand for home loans, and the Fed's management of interest rates.
Dec 24, 2025 4:30 AM
— Interest Rates
Treasury official: The Fed can cut rates next year, even in the face of strong growth
The Trump administration expects the economy to grow at a pace of 3% and believes the Federal Reserve can continue to lower interest rates in that environment. Despite a stronger-than-expected GDP reading in the third quarter, Fed officials have only penciled in one rate cut for all of next year. Trump wants his next Fed chair to lower interest rates if the economy is doing well.
Dec 21, 2025 5:30 PM
— Interest Rates
China keeps benchmark lending rates steady for a seventh straight month despite weak economic data
China's central bank kept its loan prime rates steady, despite weak economic data and a slump in the property sector. Downbeat economic indicators include lower retail sales and industrial output, as well as a contraction in investment in fixed assets and a decline in home prices. Analysts suggest that some stimulus may be necessary to boost growth momentum, with a potential combination of monetar... more
Dec 21, 2025 4:30 AM
— Interest Rates
Most homebuyers don't shop around for a mortgage, research shows. Why that's a bad idea
The article discusses the importance of shopping around for a mortgage to find the best interest rates and terms, as even a small difference in rates can lead to significant savings over the life of the loan. It also highlights the impact of closing costs and how to negotiate them, as well as the effect of multiple mortgage applications on credit scores.
Dec 18, 2025 9:30 AM
— Interest Rates
Can the inflation drop improve mortgage interest rates?
Mortgage interest rates have decreased by around a full percentage point on average from the beginning of the year, thanks to three interest rate cuts by the Federal Reserve. A lower inflation rate and a higher unemployment rate may prompt further rate cuts, potentially leading to a decline in mortgage interest rates in the future. While the path to consistently lower mortgage rates remains uncert... more
Dec 18, 2025 6:25 AM
— Interest Rates
Bank of England cuts interest rates to 3.75% - live updates
The Bank of England has cut interest rates from 4% to 3.75%, the lowest since February 2023. The cut will make mortgages cheaper but may result in lower interest on savings. The decision was made by a close vote of 5-4 by the Monetary Policy Committee. The Bank expects no economic growth at the end of the year and predicts inflation will fall closer to the 2% target sooner than expected. This rate... more
Dec 18, 2025 4:32 AM
— Interest Rates
HELOCs approach three-year lows, home equity loan rates hold the line
HELOC rates have dropped to their lowest level in almost three years following the Federal Reserve's recent rate cut. Home equity loan rates have also declined substantially from their 2024 highs. Rates are influenced by Federal Reserve policy and long-term inflation expectations. HELOC rates are expected to move lower alongside the federal funds rate, while home equity loan rates will track the 1... 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 12:30 PM
— Interest Rates
Mortgage Rates Unchanged Ahead of Important Inflation Data
Mortgage rates remained unchanged compared to yesterday due to the absence of high stakes economic data. The bond market is primarily driven by the economy, with the jobs report and Consumer Price Index (CPI) being key factors. Recent Fed speeches have shown concern over inflation's impact on rate outlook, making the upcoming CPI report significant.
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 16, 2025 3:32 PM
— Interest Rates
Thursday: CPI, Unemployment Claims, Philly Fed Mfg
On Thursday, the initial weekly unemployment claims report was released, showing 236,000 initial claims. Additionally, the Consumer Price Index for November from the BLS was released, with a consensus of a 0.3% increase in CPI and a 0.2% increase in core CPI. Year-over-year, CPI is expected to be up 3.1% and core CPI is expected to be up 3.1%.
Dec 16, 2025 12:30 PM
— Interest Rates
Unemployment Not High Enough For a Full-Fledged Rally
The article discusses how the unemployment rate increased from 4.4% to 4.6% but was tempered by a higher participation rate and stronger payroll growth. The overall rate rally was choppy and lackluster due to various economic factors, including waiting for the CPI data to be released on Thursday.
Dec 15, 2025 10:30 AM
— Interest Rates
Current mortgage rates on Dec. 15, 2025
The average interest rate for a 30-year fixed-rate conforming mortgage loan in the U.S. is 6.182%, with some fluctuations recently. Homebuyers have faced high rates in the past, but rates started trending downwards in late 2025 following actions by the Federal Reserve. Economic conditions, financial profile, historical context, demand for loans, national debt, the Federal Reserve's actions, and co... 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 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
Dec 11, 2025 12:30 PM
— Interest Rates
Mortgage Rates Hit Lowest Levels of The Week
Following a Fed day, the bond market moved towards lower rates, a welcome change from previous days. The average lender is currently in the middle of the range over the past 3 months and experiencing the lowest levels since last Thursday.
Dec 11, 2025 10:32 AM
— Interest Rates
ICE: Mortgage Refinance Retention Reaches Multi-Year High
The mortgage servicer refinance retention rate reached a 3.5-year high in the third quarter due to falling interest rates, leading to an increase in rate-and-term refinances. Non-bank servicers retained borrowers at a higher rate than banks. Second-lien home equity withdrawals also hit an 18-year high, as homeowners opted to tap into equity through home equity loans or HELOCs. Despite home afforda... more
Dec 11, 2025 7:58 AM
— Interest Rates
Mortgage Rates Flat After Fed Cut | Today, December 11, 2025
Following the Federal Reserve rate cut decision, mortgage rates remained relatively steady. Economic indicators such as a drop in Treasury yields are expected to slightly lower interest rates in the short term. Refinancing and tapping into home equity are still viable options, while negotiating and seeking financial assistance can help lower rates for potential buyers. Various mortgage rates for 3... 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.