Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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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
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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.
Oct 20, 2025 4:26 AM
— Mortgage Rates
30-year mortgage rates decrease - To buy or wait? | Today's mortgage and refinance rates, October 20, 2025
Mortgage interest rates have been mostly lower compared to the previous week, with fluctuations due to factors such as the Fed's rate cut, rising Treasury yields, government shutdown, and tariffs. The current average rates for 30-year fixed, 15-year fixed, and 5/1 ARM mortgages have all decreased. The government shutdown has led to increased uncertainty in the economy, affecting decisions made by ... more
Oct 20, 2025 3:23 AM
— Mortgage Rates
Mortgage and refinance interest rates today for October 20, 2025: Weekly rates drop
Mortgage rates have decreased this week, with the average 30-year fixed rate dropping to 6.18% and the 15-year fixed rate decreasing to 5.51%. Current rates present a good opportunity for potential homebuyers, and refinancing rates are slightly higher. Different mortgage terms and strategies for getting the lowest rates are discussed.
Oct 20, 2025 3:23 AM
— Mortgage Lending
Mortgage Rates Won’t Fall Below 6% Anytime Soon, Top Economist Says in Grim Forecast
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Oct 20, 2025 3:23 AM
— Interest Rates
Mortgage payments have nearly doubled in the past decade. These counties saw the biggest rise
Mortgage rates have decreased, hitting their lowest levels since the start of the year. However, they remain higher than pre-pandemic levels. Rising home prices have also contributed to increased monthly mortgage costs. Counties in Idaho experienced the largest increases, with Canyon County seeing costs rise to $2,381 in 2025 from $840.71 in 2015. The most expensive housing prices are found in Mas... more
Oct 20, 2025 2:33 AM
— Home Equity Lines of Credit (HELOCs)
HELOC rates today, October 20, 2025: Rates have been falling since mid-September
The average HELOC interest rate is currently 7.75%, down from earlier in the year. Homeowners have significant equity in their homes. HELOC interest rates are different from primary mortgage rates, and lenders offer flexible pricing on second mortgage products. The best time to get a HELOC is when you have a low primary mortgage rate and equity in your home.
Oct 19, 2025 5:24 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 19, 2025: Lowest 30-year rate in over 12 months
The current 30-year fixed mortgage rate has decreased to 6.18%, marking its lowest point since early October 2024. The government shutdown is contributing to lower mortgage rates, making it a good time to buy a home if you qualify for favorable terms on a conventional loan. Mortgage rates for various terms like 15-year fixed and 5/1 ARM are also provided. The article highlights the importance of c... more
Oct 19, 2025 12:24 AM
— Interest Rates
Federal Reserve
The article discusses the Federal Reserve's plans to address the federal deficit, the possibility of cutting interest rates, and the impact on the economy. Various experts have provided insights on inflation, interest rates, central bank policies, and the mortgage lending market.
Oct 18, 2025 8:23 AM
— Mortgage Rates
Weekly mortgage rates fall as hiring stalls
Mortgage rates fell for the third week in a row due to businesses being reluctant to hire. The average rate on a 30-year fixed-rate mortgage fell to 6.11% APR, influenced by factors such as inflation and job creation. The expectation of more Fed rate cuts could lead to lower mortgage rates in the future.
Oct 18, 2025 4:23 AM
— Housing Market
Lower rates were supposed to bring homebuyers back this fall. Here’s why it hasn’t happened.
Despite low mortgage rates at 11-month lows, the housing market has not shown signs of improvement. Inventory is increasing, but rates and prices are still too high for most buyers. There is a stalemate between buyers and sellers, with buyers waiting for lower rates and sellers holding out for higher prices. Contract cancellations and pulled listings remain high, indicating a struggle in the real ... more
DISCLAIMER: LoanGlass (previously known as mortgage-rates.ai) is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. LoanGlass 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 800 lenders. LoanGlass 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@loanglass.com.
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 800 lenders. LoanGlass 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@loanglass.com.
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.