Mortgage News
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Jan 14, 2026 6:30 AM
— Mortgage Rates
What are today's mortgage interest rates: January 14, 2026?
The article discusses how mortgage interest rates have declined in 2025 and could continue to decrease. The current average rates for a 30-year term mortgage is 5.99% and for a 15-year term is 5.25%. It advises buyers to shop around for rates to potentially find lower offers, which could result in significant savings over the life of the loan. The article emphasizes the importance of not comparing... more
Jan 14, 2026 5:30 AM
— Treasury Rates
Today's Data is Proving Less Tradeable, But Doing No Harm
10yr Treasury futures volumes spiked after yesterday's CPI release, which showed PPI at its highest level since July but lower than expected core results. Retail sales were stronger at the headline level but core results were as expected. Overall, there is no negative news for bonds as yields remain unchanged to slightly lower.
Jan 14, 2026 4:37 AM
— Mortgage Security
Lawmakers move to restrict private listings in Washington
The article discusses the importance of verifying human identity to prevent fraud and ensure security online. It highlights various methods such as CAPTCHAs, biometrics, and two-factor authentication to confirm human presence.
Jan 14, 2026 4:35 AM
— Interest Rates
Fed’s inflation fight collides with Trump’s power play on monetary policy
The Federal Reserve's battle against inflation remained steady in December, with consumer prices rising. The report was softer than expected, and the Fed chair faces criminal probes over renovations, which the President denies involvement in. Interest rates have been cut to stimulate job creation, but have not led to significant growth. Trump's desire for lower interest rates is in conflict with F... more
Jan 14, 2026 4:33 AM
— Housing Market
Delayed New-Home Sales Report Beats Expectations
New home sales in October exceeded expectations, reaching a 737,000 annualized pace, just 1,000 units shy of September's figure. The strong sales were attributed to easing mortgage rates, builder incentives, and price flexibility drawing buyers back into the market. If mortgage rates continue to decrease, the upcoming spring selling season may see further strengthening of buyer activity.
Jan 14, 2026 4:33 AM
— Mortgage Rates
Bill Ackman proposes prepayment penalties to lower mortgage rates
Bill Ackman proposes adding prepayment penalties to new mortgages as a way to lower interest rates by around 65 basis points. He suggests giving borrowers the option between standard loans and lower-rate loans with restrictions on early payoff.
Jan 14, 2026 4:32 AM
— Mortgage Rates
30-year mortgage rates fall - When will they fall? | Today's mortgage and refinance rates, January 13, 2026
According to Bankrate data, the average mortgage rates for 30-year fixed, 15-year fixed, and 5/1 ARM have mostly decreased. The forecast predicts rates sticking around 6% but possibly dipping lower. The current average rates are detailed for different types of mortgages, including 30-year fixed, 15-year fixed, 5/1 ARM, jumbo mortgages, and refinancing. Tips are provided for those shopping for a mo... more
Jan 14, 2026 4:31 AM
— Interest Rates
Current Credit Card Interest Rates
The average credit card interest rate is currently 19.64%, with the Prime Rate being 6.75%. Credit card rates are typically higher than other loans due to being unsecured debt. The CARD Act in 2010 changed how credit card rates were set, tying them to an index like the Prime Rate. Card issuers can adjust rates with 45 days' notice and new offers can vary. Consumers should pay attention to daily in... more
Jan 14, 2026 4:30 AM
— Mortgage Rates
US Mortgage Rates Slide to One of Lowest Levels Since 2022
US mortgage rates dropped to one of the lowest levels in years, leading to increased purchase and refinancing activity. The lower rates offer hope for a struggling housing market, with the purchase index increasing by nearly 16% and the refinancing gauge jumping by over 40%. President Donald Trump has proposed measures to further improve housing affordability, including banning institutional inves... more
Jan 14, 2026 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 14, 2026: Bouncing up from recent lows
The article discusses the current mortgage rates presented by Zillow, including 30-year fixed rates at 5.93%, 15-year fixed rates at 5.40%, and various ARM and VA rates. It highlights the benefits of different mortgage terms, such as lower payments and predictability for 30-year fixed rates, lower interest rates for 15-year fixed rates, and lower initial rates for ARM loans. The article also empha... more
Jan 14, 2026 3:30 AM
— Interest Rates
Mortgage refinance demand surges 40% higher after Trump post briefly tanks interest rates
Mortgage demand increased significantly after President Trump announced plans to have Fannie Mae and Freddie Mac buy $200 billion in mortgage-backed bonds, leading to lower interest rates. Refinance demand surged by 40% and purchase applications rose by 16% for the week. Mortgage rates started to rise again at the beginning of the following week.
Jan 14, 2026 3:30 AM
— Mortgage Lending
US Mortgage Rates Slide to One of the Lowest Levels Since 2022
In order to proceed, users need to confirm they are not a robot by clicking a box. They should ensure their browser supports JavaScript and cookies and is not blocking them from loading content. For more information, users can review the Terms of Service and Cookie Policy. For any questions about this message, they can contact the support team and provide a reference ID. Bloomberg.com offers a sub... more
Jan 13, 2026 3:47 PM
— Mortgage Rates
Lock activity increases in December, defying seasonal trends
Mortgage rate-lock activity ended the year strong despite seasonal trends. President Trump directed the purchase of $200 billion in mortgage bonds to lower housing costs. High non-mortgage debt levels can affect home loan underwriting. Cryptocurrency development in the mortgage industry has accelerated due to easing regulations.
Jan 13, 2026 3:32 PM
— Mortgage Lending
MCT: December Sees Monthly Decline in Mortgage Lock Activity
Mortgage Capital Trading reported that total lock volume decreased by 18.74% month-over-month in December. Borrowers were more cautious due to uncertainty from the recent government shutdown and challenging rate environment. Purchase lock volume, rate-and-term refinance lock volume, and cash-out refinance lock volume all declined. Despite the monthly decrease, lock volume was significantly higher ... more
Jan 13, 2026 3:32 PM
— Housing Market
Lower mortgage rates support steady new home sales
Lower mortgage rates are keeping new home sales steady in October, with inventory remaining unchanged. The housing market is showing positive signs with sales at 2019 levels and the mortgage buy-down program benefiting builders.
Jan 13, 2026 3:32 PM
— Mortgage Rates
Trump pauses 50-year mortgage plan, drafts 401(k) down payment access
The Trump administration is no longer pursuing the idea of introducing 50-year mortgages, but instead is exploring options to improve housing affordability such as allowing Americans to use funds from 401(k) or 529 accounts for down payments. They are also considering a proposal to prevent large institutional investors from purchasing single-family homes. Trump has directed Fannie Mae and Freddie ... more
Jan 13, 2026 1:30 PM
— Bond Markets
CPI Helped Bonds Avoid Losing Ground
Bonds initially weakened but strengthened after the CPI data, which showed core monthly CPI at 0.2. MBS remained positive throughout the day despite appearing weaker on charts due to monthly settlement. Wednesday will bring November's retail sales data and Producer Price Index, which could impact the market.
Jan 13, 2026 1:30 PM
— Bond Markets
Incidental Weakness Ahead of CPI Data
Bonds were marginally weaker with no obvious reasons attributed. The market remained stable despite Fed Chair Powell's criminal inquiry. Tomorrow's focus will be on the CPI data to be released at 8:30am ET.
Jan 13, 2026 1:08 PM
— Mortgage Lenders
What Happens to Your HELOC if Home Values Drop?
Home values can fluctuate due to various factors, but a decrease in value does not automatically change the terms of a Home Equity Line of Credit (HELOC). Lenders have the right to re-evaluate accounts if the risk increases, which can lead to freezing or reducing the credit limit, but demanding immediate repayment due to a value decline is rare. Lender actions typically target future access to cre... more
Jan 13, 2026 12:32 PM
— Housing Market
Mamdani notches a loss in opening gambit to take on NYC landlords
New York City Mayor Zohran Mamdani lost a bid to delay the auction of 5,000 rent-stabilized units despite unresolved maintenance issues and tenant complaints, highlighting the challenges faced by mayors in federal cases. The winning buyer plans to free up capital for repairs through bankruptcy, but concerns remain about future improvements under profit-driven ownership.
Jan 13, 2026 12:31 PM
— Housing Market
New-home construction stalls as policy inertia compounds
New residential construction in the US slowed in October due to a government shutdown, with housing starts falling by 4.6% from September. Various factors like policy disputes, decreased revenues, and increased use of incentives by home builders have contributed to a gloomy outlook for the new-home construction market conditions in 2026.
Jan 13, 2026 12:30 PM
— Mortgage Rates
Mortgage Rates Now Solidly Back Above 6%
MND's mortgage rate index showed a bottom of 6.01%, but rates increased to 6.07% today due to market weakness the previous day. Lenders raised rates in the afternoon, but a well-received CPI report helped stabilize rates slightly.
Jan 13, 2026 11:32 AM
— Housing Market
Advocacy Update: MBA Shares Housing Affordability Recommendations to Trump Administration Ahead of Upcoming Announcement
President Trump is taking steps to ban large institutional investors from buying single-family homes and is calling on Congress to codify it. The White House is drafting an executive order to improve housing affordability, including allowing people to use retirement savings for down payments. Trump instructed the GSEs to buy $200 billion in mortgage bonds to reduce mortgage rates. The MBA supports... more
Jan 13, 2026 10:33 AM
— Mortgage Rates
Jan. 13: LO, Ops jobs; broker, jumbo, verification, climate risk products; CFPB requests money, reverse referral opinion; CPI data
The article discusses the impact of possible changes in credit card interest rates on mortgage borrowers. It also highlights the growing credit card debt and its influence on home equity usage. The article raises concerns about potential government intervention in setting mortgage rates in the future.
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.
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