Mortgage News
The Most Comprehensive Source of Mortgage-Related News
Each article is summarized for your convenience. Click on the title to see the original.
Showing 145 - 168 of 2890 results
Dec 5, 2025 9:31 AM
— Mortgage Rates
Mortgage Rates Mostly Flat | Today, December 5, 2025
The article discusses slight mixed movements in mortgage rates, potential upward pressure on interest rates due to economic indicators, options for refinancing or tapping into home equity, average fixed mortgage rates reaching 6.27%, and insights on 15-year fixed rates and adjustable-rate mortgages. It also mentions upcoming economic reports and forecasts by Freddie Mac, Fannie Mae, and the Mortga... more
Dec 5, 2025 8:30 AM
— Mortgage Lenders
Earned Equity, HELOC, CRM, AI Agent, DSCR Hedging Products; Conventional Conforming Changes
The article discusses the impact of geopolitical tensions and export restrictions in China on the prices of crucial metal components in electronics. It mentions the skyrocketing prices of dysprosium, terbium, and gallium due to these factors. The Federal Reserve's ability to combat inflation is also mentioned. Additionally, the article includes information on how mortgage lenders are evolving thei... more
Dec 5, 2025 6:34 AM
— Commercial Mortgage Delinquencies
MBA: Commercial, Multifamily Mortgage Delinquency Rates Mixed in Third Quarter
Commercial mortgage delinquencies showed a mixed performance in the third quarter of 2025, with increases for CMBS and GSE loans, slight decreases for banks and life companies. Property values have stabilized, but shifting property fundamentals impact loan performance. Delinquency rates vary by capital source, with UPB delinquency rates ranging from 0.47% to 6.59% at the end of the third quarter.
Dec 5, 2025 6:16 AM
— Mortgage Rates
Mortgage Applications Decrease in Latest MBA Weekly Survey
Mortgage applications decreased by 1.4% from the previous week, with the Refinance Index decreasing by 4% and the Purchase Index increasing by 3%. Mortgage rates decreased to 6.32% for 30-year fixed-rate mortgages. The overall economic outlook remains uncertain, with lower rates driving some activity.
Dec 5, 2025 4:35 AM
— Mortgage Lending
GAO opens probe into Bill Pulte’s mortgage fraud referrals
The Government Accountability Office has opened an investigation into FHFA Director Bill Pulte's criminal referrals and use of agency resources after Senate Democrats raised concerns about the methods used in submitting criminal referrals. Rep. Eric Swalwell also sued Pulte for privacy violations related to a DOJ referral. Additionally, falling interest rates have led to a 3.5-year high in service... more
Dec 5, 2025 4:35 AM
— Mortgage Security
Has homeownership become a luxury good?
The article discusses the importance of verifying that a human is completing online actions to prevent fraud and protect sensitive information. It highlights the use of CAPTCHAs and other verification methods to ensure the security of online transactions.
Dec 5, 2025 4:32 AM
— Mortgage Lending
Ridley raises $6.4M to expand real estate platform
Ridley, an AI-driven real estate platform, raised $6.4 million in seed funding to expand its offerings, enhance seller tools, launch buy-side features, and grow Ridley Preferred Agents. Investors believe Ridley's consumer-focused model could reshape real estate transactions by increasing transparency, reducing fees, and improving efficiency nationwide.
Dec 5, 2025 4:31 AM
— Mortgage Refinancing
Current refi mortgage rates report for Dec. 5, 2025
The article discusses the current average refinance rate for a 30-year fixed-rate home loan and highlights factors to consider when refinancing a mortgage. It explains when it makes sense to refinance, such as if you can secure a rate at least one percentage point lower than your current rate. The article also covers different scenarios where refinancing can be beneficial, such as tapping into hom... more
Dec 5, 2025 4:31 AM
— Auto Loan Delinquencies
Auto Loan Delinquencies Hit 15-Year High
More Americans are falling behind on their car payments, with auto loan delinquencies at their highest level since the year after the Great Recession. Auto loan delinquencies have been rising due to increased costs of owning and financing a car, including higher monthly payments, vehicle prices, and interest rates. The rise in delinquencies is causing financial strain on consumers with increased d... more
Dec 5, 2025 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, December 5, 2025: A half-point lower than one year ago
Mortgage rates have decreased since last year, making it a more favorable environment for homebuyers and homeowners. Rates for both home purchase and refinancing vary, but generally tend to be higher for refinance options. Understanding the difference between fixed-rate mortgages and adjustable-rate mortgages is crucial in deciding which option is better for individual financial situations.
Dec 5, 2025 12:30 AM
— Mortgage Rates
Current mortgage rates report for Dec. 5, 2025: Rates remain relatively stable
The article discusses the average interest rate for a 30-year fixed-rate conforming mortgage loan in the U.S., which is currently at 6.170%. It explores historical perspective on mortgage rates and the factors that influence them, such as economic conditions, government actions, and the Federal Reserve's policies. It also provides tips on how applicants can impact the mortgage rate they are offere... more
Dec 4, 2025 7:57 PM
— Mortgage Rates
Mortgage Rates Move Down for a Second Week
Mortgage rates decreased this week, with the average rate for a 30-year mortgage falling to 6.19% from 6.23% the previous week. This marks the second consecutive week of decreases. Compared to last year, mortgage rates are half a percent lower, providing a more favorable environment for homebuyers and homeowners. The average rate for a 15-year fixed-rate mortgage also decreased to 5.44% this week.
Dec 4, 2025 7:30 PM
— Interest Rates
The Fed may cut interest rates next week. Here's what happened to mortgage rates the last two times it did that.
Anticipation over a Federal Reserve interest rate cut is increasing due to rising unemployment numbers and private-sector job losses. Homebuyers are looking forward to potential lower mortgage interest rates if the Fed cuts rates. Previous rate cuts have led to temporary decreases in mortgage rates before returning to lows right before the next cut. Buyers should monitor mortgage rate climate clos... more
Dec 4, 2025 6:31 PM
— Mortgage Finance
Federal Reserve Ends Balance Sheet Reduction
The article discusses recent trends and developments in the mortgage finance industry. It focuses on various aspects such as mortgage rates, housing market activities, and mortgage lender strategies.
Dec 4, 2025 5:32 PM
— Economic Indicators
Friday: Personal Income and Outlays
On Thursday, there will be reports on Personal Income and Outlays for September, with expectations of a 0.4% increase in both personal income and spending. The Core PCE price index is expected to increase by 0.2% year-over-year. Additionally, the University of Michigan's Consumer Sentiment Index for December will be released.
Dec 4, 2025 4:41 PM
— Interest Rates
Lawmakers caution CFPB closure could upend benchmark mortgage rates
Four U.S. senators warned acting director Russell Vought against shuttering the CFPB, as it could disrupt the issuance of benchmark mortgage rates that lenders rely on daily. They expressed concerns that stopping the publication of APOR tables could impact loans to lower-income borrowers and skew the cost of homeownership. Vought had initially closed the agency but backtracked on shutting it down.
Dec 4, 2025 2:30 PM
— Bond Markets
Bond Momentum Continues Ignoring Data
Bonds made a moderate move on a day with important economic reports, but the move was already in place before the data came out. There was not much of a response afterward and bonds drifted slightly weaker throughout the day while staying within the pre-Thanksgiving range.
Dec 4, 2025 12:31 PM
— Mortgage Fraud
Government watchdog investigating Pulte’s handling of mortgage fraud referrals
The U.S. Government Accountability Office is investigating FHFA Director Bill Pulte's handling of mortgage fraud referrals which were made to the Department of Justice. The investigation was prompted by concerns raised by eight Democratic senators regarding the process followed by Pulte and potential misuse of resources. Pulte's actions have also been questioned in relation to disclosure of person... more
Dec 4, 2025 12:31 PM
— Mortgage Finance
Lenders Offer Promotions to Boost Originations in Winter
The article discusses the current trends and outlook for the mortgage lending industry in 2025. It mentions key factors influencing the market such as interest rates, housing market conditions, and the availability of mortgage lenders.
Dec 4, 2025 12:30 PM
— Mortgage Rates
Mortgage Rates Are Actually Higher This Week
Today's mortgage rates are slightly higher compared to yesterday's rates, which were already higher than last Friday's rates. This is in contrast to some media coverage claiming rates are lower. Freddie Mac's weekly mortgage rate survey is released every Thursday, but by then the data may be outdated due to rate volatility during the week. Rates moved higher on Monday and Tuesday, and although the... more
Dec 4, 2025 11:15 AM
— Mortgage Lenders
Homebuying Strategies for Gig Workers: Expert Q&A
Over a quarter of Americans had a side job in 2025, typically in the gig economy without a W-2. Most lenders have adapted to this trend, as long as borrowers claim their income correctly. Curtis Knuth, an expert in credit reporting and income verification, shared insights on how gig workers can navigate the competitive housing market, emphasizing the importance of proper income documentation and c... more
Dec 4, 2025 11:14 AM
— Mortgage Lenders
Reverse Mortgages Could Get Cheaper & Easier With New Proposals
The Mortgage Bankers Association (MBA) is pushing for changes to the current reverse mortgage system, citing high costs, complexity, and discouraging upfront fees as barriers for potential borrowers. Some proposed changes include adjusting upfront mortgage insurance premiums based on the amount borrowed, raising principal limit factors for borrowers to access more funds, and modernizing the apprai... more
Dec 4, 2025 10:47 AM
— Housing Market
Fair market rents spiked 40% in the past five years
The average fair market rent (FMR) for one and two-bedroom residential units in the 50 largest U.S. metros has increased significantly in the past five years due to rising rental demand. This increase is putting pressure on renters, making it harder to save for a down payment on a home. While rent growth across the U.S. has softened in 2025, the impact of past rent hikes continues to affect househ... more
Dec 4, 2025 10:31 AM
— Mortgage Rates
Mortgage rates dip to 6.19% in second week of easing
Mortgage rates in the US have decreased, with the 30-year fixed-rate mortgage averaging 6.19% as of Dec. 4, 2025. This is a 0.04% decrease from the previous week. The rates for shorter-term loans also saw a decline. Industry experts point to a more favorable borrowing environment compared to the previous year, with rates being half a percent lower.
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 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.