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News for: Interest Rates
Showing 73 - 96 of 398 results
Dec 21, 2025 4:30 AM
— Interest Rates
Most homebuyers don't shop around for a mortgage, research shows. Why that's a bad idea
The article discusses the importance of shopping around for a mortgage to find the best interest rates and terms, as even a small difference in rates can lead to significant savings over the life of the loan. It also highlights the impact of closing costs and how to negotiate them, as well as the effect of multiple mortgage applications on credit scores.
Dec 18, 2025 9:30 AM
— Interest Rates
Can the inflation drop improve mortgage interest rates?
Mortgage interest rates have decreased by around a full percentage point on average from the beginning of the year, thanks to three interest rate cuts by the Federal Reserve. A lower inflation rate and a higher unemployment rate may prompt further rate cuts, potentially leading to a decline in mortgage interest rates in the future. While the path to consistently lower mortgage rates remains uncert... more
Dec 18, 2025 6:25 AM
— Interest Rates
Bank of England cuts interest rates to 3.75% - live updates
The Bank of England has cut interest rates from 4% to 3.75%, the lowest since February 2023. The cut will make mortgages cheaper but may result in lower interest on savings. The decision was made by a close vote of 5-4 by the Monetary Policy Committee. The Bank expects no economic growth at the end of the year and predicts inflation will fall closer to the 2% target sooner than expected. This rate... more
Dec 18, 2025 4:32 AM
— Interest Rates
HELOCs approach three-year lows, home equity loan rates hold the line
HELOC rates have dropped to their lowest level in almost three years following the Federal Reserve's recent rate cut. Home equity loan rates have also declined substantially from their 2024 highs. Rates are influenced by Federal Reserve policy and long-term inflation expectations. HELOC rates are expected to move lower alongside the federal funds rate, while home equity loan rates will track the 1... more
Dec 17, 2025 4:31 PM
— Interest Rates
Christopher Waller makes his final play for Fed chair
Federal Reserve Governor Christopher Waller predicted multiple interest rate cuts in 2026. He spoke to business executives at a summit hosted by Yale University, addressing concerns about job growth, home buying, and AI's impact on the labor market. Waller emphasized the importance of central bank independence in an interview with President Trump. He has been bullish on rate cuts since July and is... more
Dec 17, 2025 12:30 PM
— Interest Rates
Mortgage Rates Unchanged Ahead of Important Inflation Data
Mortgage rates remained unchanged compared to yesterday due to the absence of high stakes economic data. The bond market is primarily driven by the economy, with the jobs report and Consumer Price Index (CPI) being key factors. Recent Fed speeches have shown concern over inflation's impact on rate outlook, making the upcoming CPI report significant.
Dec 17, 2025 10:24 AM
— Interest Rates
Mortgage applications slide as rates tick up following Fed meeting
Mortgage loan application volumes in the U.S. decreased due to rising interest rates, impacting both refinancing and home purchases. The Refinance Index decreased 4%, while the Purchase Index dropped 7%. The Fed's recent rate cut and seasonal factors influenced the data, causing the refinance share of mortgage activity to increase to 59%.
Dec 16, 2025 3:32 PM
— Interest Rates
Thursday: CPI, Unemployment Claims, Philly Fed Mfg
On Thursday, the initial weekly unemployment claims report was released, showing 236,000 initial claims. Additionally, the Consumer Price Index for November from the BLS was released, with a consensus of a 0.3% increase in CPI and a 0.2% increase in core CPI. Year-over-year, CPI is expected to be up 3.1% and core CPI is expected to be up 3.1%.
Dec 16, 2025 12:30 PM
— Interest Rates
Unemployment Not High Enough For a Full-Fledged Rally
The article discusses how the unemployment rate increased from 4.4% to 4.6% but was tempered by a higher participation rate and stronger payroll growth. The overall rate rally was choppy and lackluster due to various economic factors, including waiting for the CPI data to be released on Thursday.
Dec 15, 2025 10:30 AM
— Interest Rates
Current mortgage rates on Dec. 15, 2025
The average interest rate for a 30-year fixed-rate conforming mortgage loan in the U.S. is 6.182%, with some fluctuations recently. Homebuyers have faced high rates in the past, but rates started trending downwards in late 2025 following actions by the Federal Reserve. Economic conditions, financial profile, historical context, demand for loans, national debt, the Federal Reserve's actions, and co... more
Dec 12, 2025 9:31 AM
— Interest Rates
Fed's Goolsbee, Schmid lay out case for interest rate pause
Three Federal Reserve officials disagreed with the decision to cut interest rates due to concerns about high inflation. Home equity gains slowed before falling into negative territory over the past year. Treasury yields rose following comments by Federal Reserve Chair Jerome Powell.
Dec 11, 2025 2:31 PM
— Interest Rates
Fed’s uncertain interest rate path highlights dilemma of data dependence
The Federal Reserve recently reduced the federal funds rate by 0.25%, even without complete government data due to the shutdown. The Fed believes that negative job growth is a bigger risk than inflation. Although mortgage rates are currently stuck, the Fed's decisions will impact them slightly in the future. Mortgage rates are projected to stay in the low-6% range until 2026. Concerns are emerging... more
Dec 11, 2025 12:30 PM
— Interest Rates
Mortgage Rates Hit Lowest Levels of The Week
Following a Fed day, the bond market moved towards lower rates, a welcome change from previous days. The average lender is currently in the middle of the range over the past 3 months and experiencing the lowest levels since last Thursday.
Dec 11, 2025 10:32 AM
— Interest Rates
ICE: Mortgage Refinance Retention Reaches Multi-Year High
The mortgage servicer refinance retention rate reached a 3.5-year high in the third quarter due to falling interest rates, leading to an increase in rate-and-term refinances. Non-bank servicers retained borrowers at a higher rate than banks. Second-lien home equity withdrawals also hit an 18-year high, as homeowners opted to tap into equity through home equity loans or HELOCs. Despite home afforda... more
Dec 11, 2025 7:58 AM
— Interest Rates
Mortgage Rates Flat After Fed Cut | Today, December 11, 2025
Following the Federal Reserve rate cut decision, mortgage rates remained relatively steady. Economic indicators such as a drop in Treasury yields are expected to slightly lower interest rates in the short term. Refinancing and tapping into home equity are still viable options, while negotiating and seeking financial assistance can help lower rates for potential buyers. Various mortgage rates for 3... more
Dec 11, 2025 5:30 AM
— Interest Rates
Live coverage: Federal Reserve cuts interest rates by 0.25%, Powell warns there's 'no risk-free path'
The Federal Reserve cut interest rates by 25 basis points, marking the third cut of the year. Fed officials were split on the decision with some favoring holding rates steady. The Fed also published its final Summary of Economic Projections, predicting one interest rate cut in 2026. Stock markets rallied in response to the decision. The Fed acknowledged consumer struggles with higher inflation but... more
Dec 11, 2025 4:32 AM
— Interest Rates
Home equity rates hold the line as Fed cuts interest rates
Home equity rates remained steady after the Federal Reserve lowered interest rates by a quarter point at the end of 2025, with the $30,000 home equity line of credit staying at 7.8% and the benchmark five-year home equity loan at 7.99%. The Fed's rate cut is expected to stimulate the economy and lead to further decreases in HELOC and home equity loan rates. Rates are influenced by Federal Reserve ... more
Dec 10, 2025 7:32 PM
— Interest Rates
FOMC Cuts Rate 25 Basis Points; MBA Economist Weighs In
The Federal Reserve's Federal Open Market Committee cut the federal funds rate target by 25 basis points, marking the third rate cut of the year. There is division within the committee regarding future rate cuts due to factors like elevated inflation and a softening job market. Mortgage rates have decreased by almost 1% since January, but there have been fluctuations following previous Fed rate cu... more
Dec 10, 2025 5:32 PM
— Interest Rates
FOMC Trims Fed Funds Rate a Quarter Point
The Federal Open Market Committee voted to trim the fed funds rate by a quarter point, despite disagreement among committee members, with some favoring a larger cut or no change. The decision was made due to concerns about the job market and inflation remaining above the target goal. The split vote suggests uncertainty regarding future rate cuts.
Dec 10, 2025 3:32 PM
— Interest Rates
Fed cuts rates, though three officials dissent
The Federal Reserve reduced the federal funds rate by 0.25% for the third time in a row, with concerns about labor outweighing inflation. The rate ends 2025 at 3.5% to 3.75%, in line with predictions. Job gains slowed while inflation remained somewhat elevated. There were three dissents in the rate decision. Fresh indicators hinted at a cooling job market. The dot plot showed a divergence in proje... more
Dec 10, 2025 2:36 PM
— Interest Rates
FOMC Cuts Rate 25 Basis Points; MBA Economist Weighs In
The Federal Reserve's Federal Open Market Committee cut the federal funds rate target by 25 basis points, marking the third rate cut of the year. The committee is divided with some members voting for a bigger rate cut while others voted for no change. Mortgage rates have decreased by almost 1% since January, but they rose after the September and October Fed cuts. The FOMC announced an end to quant... more
Dec 10, 2025 2:31 PM
— Interest Rates
Fed Cuts Rates Again in December. Will Mortgage Rates Fall?
The Federal Reserve made its third consecutive federal funds rate cut of 2025 in December due to weak employment and overall economic uncertainty. While mortgage rate movements varied after the cuts, interest rates trended downwards over the last three months. The central bank's decision signaled weakness in the labor market and an unstable economic forecast, with more cuts potentially on the hori... more
Dec 10, 2025 11:32 AM
— Interest Rates
Federal Reserve delivers third straight rate cut
The Federal Reserve implemented a 25-basis-point cut to its benchmark interest rate for the third consecutive time, amid mixed signals in inflation and labor data. The Fed is expected to slowly ease monetary policy in 2026, with mortgage rates predicted to remain in the 6% range. President Trump has been focusing on improving affordability in housing, with challenges in homeownership affordability... more
Dec 10, 2025 11:31 AM
— Interest Rates
The Fed just cut interest rates again. We asked 5 experts what Americans should do next
The Federal Reserve recently lowered interest rates, making it the sixth rate cut since September 2024. Lower interest rates can save households money on mortgages, car loans, and other borrowing costs. Financial experts suggest reevaluating spending, increasing savings, and paying off high-cost debt in a falling-rate world to maximize financial stability. Stock market sentiment has shifted positi... more
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The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 750 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 750 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.