Mortgage News
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May 19, 2025 3:00 PM
— Interest Rates
Mortgage rates climb back above 7% after Moody's U.S. debt downgrade
The average interest rate for a 30-year mortgage rose above 7% after Moody's downgraded the U.S. credit rating due to growing debt levels. Mortgage rates have remained high despite Fed rate cuts, tracking the 10-year Treasury bond. Market reactions to the downgrade caused stock and bond prices to fluctuate. Analysts expect limited market impact from the downgrade but anticipate elevated mortgage r... more
May 19, 2025 2:01 PM
— Bond Markets
(Un)Surprising Reversal After Initial Weakness
The market initially had a knee-jerk reaction to Moody's US credit rating downgrade, leading to sharp losses in stocks and bonds. However, the overall impact was limited as other rating agencies had already downgraded the US credit rating. Bonds ended the day weaker compared to the previous week but stronger compared to immediately after the Moody's news.
May 19, 2025 2:00 PM
— Interest Rates
High-Yield Savings Rates Today: May 19, 2025 | Top Rate Remains At 4.40% APY
The article discusses how the U.S. stock market is recovering from losses, with inflation rates slightly lower than anticipated. It highlights the importance of high-yield savings accounts offering APYs above 4 percent to combat inflation. The Federal Reserve's unchanged interest rates have helped keep savings account yields high, with some accounts offering APYs of 5 percent or higher. Savers are... more
May 19, 2025 2:00 PM
— N/A
How Tariffs Are Driving Up Mortgage Rates | Business Insider
The article is repetitive and does not provide any specific information.
May 19, 2025 12:00 PM
— Mortgage Rates
Mortgage Rates Briefly Over 7% Before Mid-Day Improvement
Mortgage rates increased sharply over the weekend due to Moody's credit rating downgrade of the U.S., causing bond market weakness and higher mortgage rates. Most lenders set their rates between 9am-10am ET, resulting in rates over 7% for the first time in months. However, rates began to decrease later in the day, returning closer to the previous week's range.
May 19, 2025 11:01 AM
— Interest Rates
Lenders feel better, not exuberant, about housing market
The Mortgage Bankers Association forecasts slightly lower volume for 2025, with a 14% increase in the number of units produced. The interest rate environment is volatile, resulting in higher refinance mortgage volume. The 30-year fixed-rate mortgage rose slightly to 6.86%, but remained under 7% for the 17th consecutive week.
May 19, 2025 11:00 AM
— Mortgage Rates
Mortgage rates cross back over 7% after U.S. credit downgrade
Mortgage rates surged higher after Moody's downgraded the U.S. credit rating, reaching the highest level since April. This increase in rates had a direct effect on the housing market, causing a drop in pending sales of existing homes and homebuilder sentiment. There was a slight increase in mortgage demand when rates were around 6.9%, but any increase above 7% led to a slowdown in buyers and disqu... more
May 19, 2025 9:01 AM
— Mortgage Finance
The Fed’s Coming Rate Cut? Not So Fast…
The article is about Inside Mortgage Finance Publications, a company that provides information and analysis on the mortgage industry. They focus on design, content management systems, hosting, and web development for their online platform.
May 19, 2025 8:00 AM
— Housing Market
POS, LOS, HELOC, Legal Products; IMB Per Loan is Still a Loss; Lower Rates vs. Debt and Inflation
The article discusses various topics related to the mortgage industry, including issues such as the impact of Moody's cutting the credit quality of the United States on lending rates, the potential effects of tariffs on the housing market, and various new products and services offered to lenders and brokers. It also highlights the challenges faced by some companies in the industry and discusses ho... more
May 19, 2025 8:00 AM
— Mortgage Security
Understanding the US Housing Market in 2025: Mortgage Rates, Affordability, and Growth Trends
The article discusses the importance of completing security checks to verify the identity of users and prevent spam on online platforms.
May 19, 2025 8:00 AM
— Interest Rates
What Moody’s downgrade of U.S. credit rating means for your money
Moody’s decision to downgrade the U.S. credit rating is expected to increase the cost of borrowing, impacting consumer loans like mortgages, credit cards, and personal loans. The downgrade puts pressure on bond prices, leading to higher yields. The increase in interest rates is attributed to the federal government’s budget deficit and economic uncertainty due to President Trump's tariff policy.
May 19, 2025 6:00 AM
— Interest Rates
Global Bond Audience is Booing US Fiscal Performance
Moody's announcement of the US credit rating cut led to minimal impact as the market was already aware of the issues. The real concern lies in the lack of a sustainable fiscal path for the US government.
May 19, 2025 3:03 AM
— Mortgage Rates
Rates rise: When should you lock? | Current mortgage and refinance rates, May 19, 2025
The article provides current average mortgage rates for 30-year fixed, 15-year fixed, and 5/1 ARM loans. It also mentions Bankrate.com as a source for staying up-to-date on housing market trends.
May 19, 2025 3:02 AM
— Mortgage Rates
Most rates increase on U.S. debt downgrade | Today's mortgage and refinance rates, May 21, 2025
National mortgage rates increased compared to last week, with 30-year fixed, 15-year fixed, and jumbo loan rates going up, while 5/1 ARM rates fell. The Federal Reserve holding its benchmark rate steady may result in future rate cuts. Experts predict rates to remain relatively stable in 2025 with only a slight downward trend. Factors such as inflation and unemployment figures will influence mortga... more
May 19, 2025 3:02 AM
— Bank Account Bonuses
Best Bank Account Bonuses For May 2025
Banks are offering various sign-up bonuses ranging from $50 to $3,000 for opening new checking or savings accounts. These bonuses are used by banks to attract new customers and deposits. However, it's important to carefully read the terms and conditions and consider whether the account meets your needs in the long term. The IRS taxes bank account bonuses as regular income, and it's recommended to ... more
May 19, 2025 3:01 AM
— Interest Rates
Best money market account rates today, May 19, 2025 (Earn up to 4.41% APY)
The article discusses money market accounts and how they can offer better returns compared to traditional savings accounts. It explains how their rates have fluctuated due to changes in the Federal Reserve's interest rates over the years, mentioning the impact of events such as the 2008 financial crisis and the COVID-19 pandemic. It emphasizes the importance of comparing various factors, aside fro... more
May 19, 2025 3:00 AM
— Mortgage Rates
Mortgage Refinance Rates Fall: Mortgage Refinance Rates for May 19, 2025
Average mortgage refinance rates have been high, causing concern among homeowners. Despite initial predictions of lower rates due to inflation and interest rate cuts, rates have remained stubbornly high. Experts suggest keeping an eye on mortgage rates and taking advantage when they fall, as refinancing can be beneficial, especially if you can reduce your interest rate by 1% or more.
May 19, 2025 3:00 AM
— Mortgage Rates
Better mortgage spreads boost housing demand in 2025
Improvement in mortgage spreads since 2023 has led to 15 consecutive weeks of positive year-over-year growth in purchase application data for 2025. Mortgage spreads turned negative due to market volatility but have since improved as stock and bond markets stabilized. Mortgage demand remains strong despite elevated rates. Any adverse reaction may lead mortgage rates to reach 7.25% or higher, the ye... more
May 19, 2025 3:00 AM
— Interest Rates
Mortgage and refinance interest rates today, May 19, 2025: Rates decrease in the short term
Current mortgage interest rates are down according to Zillow data, with the average 30-year fixed mortgage rate at 6.77% and the 15-year fixed rate at 6.03%. This trend of decreasing and increasing rates is expected to continue, with rates hovering around mid-to-upper 6% range for 30-year loans and near 6% for 15-year loans. It is recommended that individuals not wait for rates to fall further bef... more
May 19, 2025 2:00 AM
— Mortgage Lending
Where homeowners still feel locked into mortgages
The article discusses the importance of verifying human identity through various methods in order to prevent fraud and ensure security on online platforms. It highlights the rise of sophisticated technology like biometrics and behavioral analysis to verify identity.
May 18, 2025 8:00 PM
— Mortgage Lending
How will Moody’s downgrade of US debt affect mortgage rates?
The article discusses the process of verifying human identity, which may slow down a user's interaction with a website or application.
May 18, 2025 6:01 AM
— Interest Rates
Best CD rates today, May 18, 2025 (lock in up to 4.4% APY)
The article provides information on how to earn higher interest rates through certificates of deposit (CDs) by locking in rates with different types of CDs. It explains how interest rates vary across financial institutions and provides examples of how much one can earn with different APY rates on CDs. It also mentions different types of CDs available, such as bump-up CDs, jumbo CDs, brokered CDs, ... more
May 18, 2025 5:02 AM
— Interest Rates
Best money market account rates today, May 18, 2025 (best account provides 4.41% APY)
This article discusses the current state of money market account rates in 2024, highlighting the effects of the Federal Reserve cutting its target rate three times. It emphasizes the importance of comparing MMA rates to maximize earnings, provides examples of how different interest rates impact savings over time, and offers recommendations for opening high-yield money market accounts. The article ... more
May 18, 2025 5:02 AM
— Housing Market
New Grads Expect Six-Figure Salaries. They May Not Be Able To Get Them.
Recent graduates are facing disappointment in their expected salaries as they enter the workforce. While graduates expect to make $101,500 a year, recent graduates reported an average salary of $68,400. Employers project to pay new graduates an average of $68,700, with varying salaries depending on the degree type. The uncertain economy, changing tariff policies, and lack of clarity on student loa... 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.