Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Showing 49 - 72 of 2163 results
Oct 22, 2025 7:23 AM
— Mortgage Lending
Mortgage Applications Today: Dip in Mortgage Rates Sparks Refinance Uptick—but New Home Loan Demand Falls Again
The article discusses an issue with processing a request and provides a reference ID for further assistance.
Oct 22, 2025 4:25 AM
— Mortgage Rates
Refinance demand is 81% higher than it was a year ago, thanks to falling mortgage rates
Mortgage rates dropped to the lowest level in a month, leading to an increase in applications for refinancing. However, potential homebuyers were less enthusiastic about the lower rates. ARM applications increased despite the overall interest rates falling, indicating high home prices. Applications for home purchases dropped, with some buyers waiting for rates to decrease further.
Oct 22, 2025 2:36 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 22, 2025: Lower again. Could it be a trend?
The article discusses the current mortgage rates according to Zillow data, focusing on 30-year fixed, 20-year fixed, 15-year fixed, 5/1 ARM, 7/1 ARM, and VA rates. It explains how mortgage rates are determined, the advantages and disadvantages of 30-year fixed rates, 15-year fixed rates, and adjustable-rate mortgages. The article also mentions how to secure low mortgage refinance rates similar to ... more
Oct 22, 2025 2:31 AM
— Mortgage Rates
Former Treasury Secretary Issues Mortgage Warning: ‘Unsustainable’
Former Treasury Secretary Larry Summers warned that the national deficit could cause a spike in mortgage rates unless federal revenues increase. Experts predict that mortgage rates will rise in the future due to budget deficits and potential higher inflation. However, Summers also mentioned that artificial intelligence could potentially reverse this trend by boosting growth and addressing fiscal c... more
Oct 21, 2025 3:26 PM
— Bond Markets
Slow, Steady Gains Continue
Bond traders are speculating about economically challenging situations due to the absence of major economic data. Factors such as the Philly Fed services index, oil prices, forex, and previous banking concerns may also be influencing the market. Despite light trading volume, yields are at their lowest levels in over a year with moderate gains in the morning.
Oct 21, 2025 1:29 PM
— Mortgage Rates
Another Winning Day For Mortgage Rates
Mortgage bond rates were slightly stronger today after closing at the best levels in a year the previous day. Mortgage lenders had a cushion from yesterday's improvement, leading to a drop in the average 30yr fixed rate. Some lenders are now offering their lowest rates in over a year or even over 3 years, with the average lender being close to 3-year lows.
Oct 21, 2025 11:27 AM
— Mortgage Lenders
How To See More Bankrate Results In Your Google Searches
The article discusses the challenge of finding trustworthy sources of information online due to the rise of AI-assisted search and content generation. It encourages users to add trusted publishers like Bankrate to their preferred sources list in Google to access reliable information on topics like mortgage rates. The writers and editors at Bankrate are committed to providing original work that emp... more
Oct 21, 2025 10:38 AM
— Mortgage Rates
Trade groups push plan to let GSEs buy MBS to ease mortgage rates
Trade groups representing community banks and home lenders are pushing for Fannie Mae and Freddie Mac to purchase mortgage-backed securities to lower mortgage rates. They want the GSEs to have the authority to buy up to $300 billion of MBS when the spread between 30-year mortgage rates and 10-year Treasury rates exceeds 170 basis points.
Oct 21, 2025 9:57 AM
— Mortgage Lending
What is a blanket mortgage, and who should get one?
The article discusses blanket mortgages, which are single loans that cover multiple pieces of real estate, often used by seasoned real estate investors or developers. It outlines the pros and cons of blanket mortgages, the requirements needed to qualify, and provides tips on how to apply for one.
Oct 21, 2025 9:49 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 21, 2025: A tiny move lower
Mortgage rates are currently dropping, with the 30-year fixed rate at 6.15% and the 15-year fixed rate at 5.48%. Refinance rates tend to be higher than purchase rates. Choosing between a 15-year and a 30-year mortgage depends on whether you want lower interest over time with higher monthly payments or lower monthly payments with more interest paid in the long run. There is a discussion about fixed... more
Oct 21, 2025 8:56 AM
— Bond Markets
Crude Notions About Underlying Bid
The bond market is currently quiet, with the jobs report being a key factor in potential changes. Concerns such as regional bank losses and the level of reserves on the Fed balance sheet are helping buyers. Oil, while not a primary indicator for bonds, can impact inflation and potentially lead to increased bond buying.
Oct 21, 2025 8:37 AM
— Mortgage Technology and Innovation
AI, Reverse, Commercial, Underwriting, AVM Tools; LOs and Technology; Non-QM and HELOCs
The article discusses various innovations and partnerships in the mortgage industry, such as a title company franchise, a strategic partnership between UWM and Bilt, as well as new technology-driven solutions for lenders and brokers, like Gateless Smart Underwrite® and Procision AVM. It also mentions opportunities for residential brokers in the booming commercial lending market and the importance ... more
Oct 21, 2025 4:25 AM
— Mortgage Rates
Current mortgage rates report for Oct. 21, 2025: Rates drop even lower with Fed meeting looming
The average interest rate for a 30-year fixed-rate conforming mortgage loan is 6.164% in the U.S. Rates are expected to decrease ahead of the Federal Reserve meeting. Historically, rates have fluctuated, with some periods even exceeding 18%. Mortgage rates started trending downward in late 2025 and are influenced by the health of the U.S. economy, demand for home loans, and actions taken by the Fe... more
Oct 21, 2025 3:24 AM
— Real Estate Technology
Federal Debt Will Drive Mortgage Rates Up Unless AI Productivity Saves the Day, Larry Summers Says
The article discusses a processing issue with a request related to real estate. It provides a reference ID for further assistance.
Oct 21, 2025 3:23 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 21, 2025: A small move lower
According to Zillow data, mortgage rates are decreasing, with the 30-year fixed rate at 6.15% and the 15-year fixed rate at 5.48%. Refinance rates are typically higher than purchase rates. Using a mortgage calculator can help determine monthly payments. Economists do not expect significant drops in mortgage rates by the end of 2025, with some predicting slight decreases in 2026.
Oct 20, 2025 2:24 PM
— Bond Markets
Strange Combo of Excitement and Boredom
It was a relatively uneventful day in the bond market with no significant data or news. Bonds gained some ground early but remained mostly sideways throughout the day, similar to other days during the government shutdown. However, bond yields closed at their second-best levels in over a year, indicating a positive outlook for rate cuts.
Oct 20, 2025 12:23 PM
— Mortgage Rates
Another Boring Day With Mortgage Rates Near 3-Year Lows
Mortgage rates ended last week at the lowest levels in just over a month, making it the 3rd best day in over a year. The rates are currently near 3 year lows with minimal volatility. The government shutdown would need to end for sharper, sustained momentum. This week is light on data except for the release of September's CPI inflation data on Friday, which could impact rates.
Oct 20, 2025 10:38 AM
— Home Equity Loans
How much can you borrow with a HELOC?
Home equity lines of credit (HELOCs) allow homeowners to borrow between 80% and 85% of their home value minus their current mortgage balance. Lenders consider the combined loan-to-value ratio (CLTV), home's appraised value, debt-to-income ratio, credit score, income, and maximum line of credit amounts to determine the borrowing limit. If unable to qualify for a HELOC, other financing options inclu... more
Oct 20, 2025 9:57 AM
— Mortgage Rates
Mortgage rates aren’t expected to fall below 6% for next several years: economist
An economist claims that mortgage rates are not expected to fall below 6%, potentially indicating higher costs for prospective homebuyers.
Oct 20, 2025 9:25 AM
— Mortgage Lenders
Rocket layoffs related to Mr. Cooper deal get underway
Rocket Companies confirmed layoffs following the acquisition of Mr. Cooper and Redfin. Jay Bray will become the new president and CEO as part of the acquisition. Mortgage Bankers Association economist Marina Walsh noted that lenders could struggle to close loans as more consumers apply with multiple originators. Rate-and-term transactions increased significantly in September.
Oct 20, 2025 8:54 AM
— Mortgage Lending
Bank Statement, DSCR, LOS, CE, Compliance Tools; Conference Chatter About Credit and Agency News
The Mortgage Bankers Association announced that total single-family mortgage origination volume is expected to increase in 2026 compared to the previous year. Technology, operational efficiency, and management improvement have been key factors in the success of lenders since the boom years. Several companies and platforms are being introduced at the 'MBA Annual' event, focusing on the advancement ... more
Oct 20, 2025 8:01 AM
— Bond Markets
Better Buying at 8:20am Open; No Data
The bond market is currently being influenced by the government shutdown, preventing the most relevant economic data from making an impact. However, trading has been slightly bullish due to non-government data and trade tension concerns. The Conference Board's leading indicator index is not being published today due to the shutdown, despite not being a government agency.
Oct 20, 2025 7:15 AM
— Mortgage Rates
When will mortgage rates go down? Rates remain relatively flat.
Mortgage rates have been fluctuating over the past month but have only changed slightly. The 30-year fixed mortgage rate dropped by three basis points this week but remains one basis point higher than last month. Freddie Mac reported a decrease in the 30-year and 15-year fixed rates compared to a year ago. Mortgage rates are influenced by the Fed funds rate but more closely follow the 10-year Trea... more
Oct 20, 2025 6:23 AM
— Mortgage Rates
How low could mortgage rates fall by the end of 2025? Experts weigh in
Mortgage borrowers are experiencing some relief due to a Federal Reserve rate cut and falling 10-year Treasury yields, leading to average 30-year loan rates in the mid to low 6% range. Experts believe that factors like the jobs market and inflation will influence where mortgage rates head next. The Mortgage Bankers Association predicts rates to hold steady around 6.5% at the year's end.
DISCLAIMER: mortgage-rates.ai is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. mortgage-rates.ai is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 400 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 400 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.