Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Jul 18, 2025 3:00 PM
— Mortgage Lending
Housing Market Sends Mixed Signals as Inflation and Mortgage Rates Inch Up
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Jul 18, 2025 2:01 PM
— Bond Markets
Needle Threaded. Now What?
This week there were potential high-impact events such as the CPI data and Trump/Powell headlines that could have caused big moves in bonds/rates, but the actual impact varied. Ultimately, the market ended the week almost unchanged from the previous week.
Jul 18, 2025 2:01 PM
— Mortgage Rates
Mortgage Rates Barely Budge Today and This Week
Despite the potential for a big reaction to inflation data, mortgage rates managed to hold flat overall for the week. Friday saw a small decrease in rates, but overall, things remained relatively stable. There was no decisive momentum from the week's events, and it is unlikely that there will be another significant reaction until the first week of August.
Jul 18, 2025 12:01 PM
— Mortgage Rates
Rising Rates Hit Mortgage Apps, But Pace Remains Better Than 2024
Mortgage application activity decreased significantly last week due to higher rates, with the Composite Index falling 10.0% on a seasonally adjusted basis. Refinance applications fell by 7% from the previous week, but are still higher compared to a year ago. Purchase applications also dropped by 12%, reaching their lowest level since May.
Jul 18, 2025 12:00 PM
— Mortgage Lenders
Wells Fargo sued for not disclosing fees during loan origination
A California borrower is suing Wells Fargo for concealing over a decade that it improperly charged certain origination-related fees. The lawsuit claims that when customers accepted lower rates, the lender reduced or eliminated its originators' compensation.
Jul 18, 2025 11:00 AM
— Interest Rates
What a Trump, Powell faceoff means for your money
Tensions between the White House and the Federal Reserve have escalated, with President Trump criticizing the central bank for not lowering interest rates. Trump argues that high rates are harming the housing market and putting the US at a disadvantage. The Fed has held off on rate cuts due to uncertainties and inflation risks posed by trade policies. Market pricing suggests no rate cut in July, w... more
Jul 18, 2025 10:00 AM
— Mortgage Finance
MBA Purchase Index Up Against Weak Prior Year
The article discusses the latest trends in the housing market, including an increase in mortgage rates and how it is affecting homebuyers. It highlights the impact of rising interest rates on the affordability of homes and the decision-making process for potential buyers.
Jul 18, 2025 10:00 AM
— Mortgage Lenders
FHFA's Vantagescore move changes math on mortgage insurance
The article discusses the potential adoption of VantageScore 4.0 by conforming mortgage lenders, highlighting concerns about infrastructure and policy alignment. The move introduces competition in credit scoring but also brings about challenges regarding implementation.
Jul 18, 2025 9:02 AM
— Mortgage Finance
Agency MSR Transfers Slow as High-Coupon Sales Drop
The article discusses the latest trends in the housing market, including an increase in mortgage rates and the impact on homebuyers. It also touches on the role of mortgage lenders in helping buyers navigate the changing market conditions.
Jul 18, 2025 9:02 AM
— Mortgage Finance
Agency MBS Delinquency Rates Rise in Second Quarter
The article discusses copyright information for Inside Mortgage Finance Publications, specifying the year 2025. It also mentions design, CMS, hosting, and web development by ePublishing.
Jul 18, 2025 9:02 AM
— Mortgage Finance
Consumers Allege loanDepot Pushed Employees to Write Higher-Interest Loans
The article discusses mortgage-related information available on Inside Mortgage Finance Publications, including topics such as design, CMS, hosting, and web development.
Jul 18, 2025 9:00 AM
— Mortgage Rates
US mortgage rates are once again on the rise
The average rate on a 30-year U.S. mortgage increased for the second consecutive week, posing challenges for the U.S. housing market, which is currently experiencing a sales slump due to affordability issues.
Jul 18, 2025 9:00 AM
— Housing Market
Map Shows Where Homeowners Are Behind on Mortgage Payments
Serious mortgage delinquencies in the United States have been increasing due to rising property taxes, surging home insurance premiums, and other factors. States like Louisiana, Florida, and Georgia saw significant increases in delinquency rates. Homeowners are at risk of losing their properties if they fall behind on payments. The increase in delinquencies is partly attributed to the higher cost ... more
Jul 18, 2025 9:00 AM
— Mortgage Rates
It Will Take More than Low Interest Rates to Make Houses Affordable
The article discusses how rising bond yields due to inflation data affect mortgage rates, making homes unaffordable for many buyers. It also examines the misconception that lower interest rates can solve the affordability problem, highlighting that rising home prices lead to higher down payments and property taxes. The article argues against the idea that the Fed can force down mortgage rates to i... more
Jul 18, 2025 5:00 AM
— Mortgage Rates
Will mortgage rates fall after the July Fed meeting? Here's what experts expect
Prospective homebuyers and homeowners are eagerly awaiting the Federal Reserve's July meeting to see if it will have any impact on mortgage rates, which have remained high. Experts suggest that a 25-basis-point Fed cut might only lower 30-year fixed rates by 10 to 15 basis points. While immediate rate relief is unlikely, it is advised to prepare for homebuying now to take advantage of the current ... more
Jul 18, 2025 4:00 AM
— Privacy Policy and Data Security
Donald Trump Fires Housing Market Accusation at Powell's Fed
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Jul 18, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 18, 2025: Mortgage rates are slightly lower than last summer
The article discusses the recent increase in mortgage rates, providing information on current rates and the differences between fixed and adjustable-rate mortgages. It emphasizes the unpredictability of rates and advises prospective home buyers to consider their financial situation rather than solely focusing on rates. Forecasts suggest that mortgage rates will remain relatively high for the near ... more
Jul 17, 2025 3:01 PM
— Mortgage Finance
MBS Trades Hit Annual Low
The article discusses the latest trends in the mortgage lending industry, focusing on how mortgage lenders are adapting to changing market conditions and customer needs. It also mentions the importance of digital technology and online platforms in streamlining the mortgage application process.
Jul 17, 2025 2:01 PM
— Bond Markets
Bonds Unfazed by Econ Data
After the release of economic data in the morning, the bond market initially showed some selling/weakness but quickly turned to bond buying due to a downtrend in discretionary consumer spending. This led to bonds staying in positive territory for most of the day, despite a slight afternoon correction back to unchanged levels.
Jul 17, 2025 1:23 PM
— Mortgage Lenders
What Are Mortgage Points?
Mortgage points are a fee paid to a lender upfront to lower the interest rate on a loan, resulting in lower monthly payments and less interest paid overall. Points can be bought to permanently lower the rate, and there are also temporary buydowns available. Points are different from origination points, as origination points are a fee to create the loan and do not affect the interest rate. It is im... more
Jul 17, 2025 1:09 PM
— Housing Market
June sees uptick in new-home loan demand
Homebuyers were focused on purchasing newly constructed homes last month despite high mortgage rates, which is a positive sign in the housing market.
Jul 17, 2025 12:00 PM
— Mortgage Rates
Mortgage Rates Staying Broadly Sideways
Mortgage rates have remained relatively stable despite recent economic data and news headlines. The Retail Sales report suggested a slowdown in discretionary spending, which is generally good for rates, but it wasn't significant enough to cause a major change. The bond market improved slightly after the data, but mortgage rates only shifted by a minimal amount. The economic calendar for the next t... more
Jul 17, 2025 11:00 AM
— Mortgage Rates
Average long-term US mortgage rate rises to 6.75%, second straight uptick
The average rate on a 30-year U.S. mortgage rose for the second week in a row to 6.75%, impacting the housing market that has been struggling with sales slump due to affordability constraints. Mortgage rates influence borrowing costs for homebuyers and their purchasing power. Yields on 10-year Treasury bonds influence mortgage rates, and economists expect rates to remain in the range of 6% to 7% f... more
Jul 17, 2025 10:10 AM
— Mortgage Rates
Mortgage rates rise as investors react to inflation news
Mortgage rates rose this week following the latest Consumer Price Index report which decreased hopes for a Federal Open Market Committee reduction in short-term rates at its upcoming meeting. The 30-year fixed mortgage rate increased for the first time in six weeks driven by a strong jobs report and renewed tariff uncertainty. Loan originators who continued making deals last year shared their secr... more
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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.