Mortgage News
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Dec 10, 2025 11:30 AM
— Interest Rates
What the Fed's rate cut means for your money in 2026
The Federal Reserve cut interest rates for the third time in 2025, setting the tone for the new year. This decision will have ripple effects on consumer prices, the job market, and Corporate America. Mortgage rates have cooled in anticipation of rate reductions, and lower rates could make home equity lines and small business loans more accessible. The rate cut could potentially benefit job seekers... more
Dec 10, 2025 11:30 AM
— Mortgage Rates
The Fed just cut rates to their lowest point since 2022. Here's what that could mean for mortgage rates.
The Federal Reserve announced another interest rate cut, bringing the federal funds rate down to a range of 3.50% to 3.75%, the lowest since November 2022. While the rate cut doesn't directly impact mortgage rates, it could lead to gradual improvements in affordability over time. Lower mortgage rates could increase buying power, make refinancing attractive, draw more buyers into the market, and le... more
Dec 10, 2025 11:30 AM
— Interest Rates
What December's Fed rate cut means for your mortgage, credit card, auto loan, student debt and savings
The Federal Reserve cut its benchmark rate by a quarter point at the last meeting of the year, marking the third consecutive rate cut. This could impact borrowing and savings rates for consumers, including credit cards, car loans, mortgage rates, student loans, and savings accounts. While credit card rates are directly affected by the Fed's benchmark rate, mortgages and auto loans are less impacte... more
Dec 10, 2025 11:30 AM
— Mortgage Rates
Fed cuts interest rates again: What's next for mortgages, credit cards
Consumers gave the Federal Reserve room to cut interest rates in 2025 due to financial concerns and a weakening job market. The Fed cut interest rates by a quarter percentage point in December, leading to lower rates on credit cards and home equity lines of credit. However, mortgage rates are not expected to see significant decreases in 2026, with predictions of mortgage rates declining slightly o... more
Dec 10, 2025 11:30 AM
— Mortgage Rates
When will mortgage rates go down? Outlook after the Fed meeting.
Mortgage rates have decreased for the second week in a row, with the 30-year fixed-rate mortgage rate now at 6.19%, down from 6.69% a year ago. The Federal Reserve has also reduced the federal funds rate by 25 basis points. Despite the decreasing rates, it is unlikely that mortgage rates will hit 6%, and it is advised not to wait until mortgage rates drop significantly as the housing market is cur... more
Dec 10, 2025 9:31 AM
— Mortgage Loan Application Volume
Lower rates drive best November lock activity in years
Optimal Blue's Market Volume Index fell below 100 in November for the first time since August, reflecting typical seasonal trends. Rate-and-term refinances dropped 14% month over month in October but were still up 143% from last year. Mortgage loan application volume increased by 7.1% on a seasonally-adjusted basis last week.
Dec 10, 2025 9:30 AM
— Privacy Policy and User Consent
The Fed is expected to cut rates today. But the outlook for 2026 is less certain
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Dec 10, 2025 8:36 AM
— Mortgage Rates
Mortgage Rates Could Move Higher Despite a Fed Cut
The Federal Reserve is expected to cut interest rates, but mortgage rates may not decrease and could potentially increase based on signals from Fed Chair Jerome Powell.
Dec 10, 2025 8:32 AM
— Mortgage Rates
Mortgage Rates Drop Before Fed Cut Announcement | Today, December 10, 2025
Mortgage rates reversed their opening week gains ahead of the Federal Reserve December Open Market Committee meeting. The average 30-year fixed mortgage rate was 6.26%, while the average 15-year fixed mortgage rate was 5.63%. Uncertainty regarding the Federal Open Market Committee's meeting could result in short-term volatility in mortgage rates.
Dec 10, 2025 8:30 AM
— Housing Market
DPA, Quick HELOC, Non-QM, Processing, AI Tools; Assumable Mortgages? Homebuyer Age Study
The article discusses the reemergence of assumable mortgages as a potential solution to an affordability crisis in the housing market. It explores the implications of this idea on various stakeholders, including policymakers, lenders, and consumers, and highlights the need for bold solutions to reshape the housing system before consumers find their own workarounds.
Dec 10, 2025 8:30 AM
— Mortgage Rates
Mortgage rate projections for the next 5 years
Mortgage rates have dropped by half a point over the last year, but forecasts predict that 10-year Treasury yields will remain above 4.1% through 2030. The spread between 10-year Treasury yields and 30-year fixed mortgage rates have seen fluctuations and a recent example showed a spread of 2.08 percentage points. Long-term estimates suggest that mortgage rates will be around 6.28% to 6.48% in 2027... more
Dec 10, 2025 7:33 AM
— Mortgage Security
Mortgage Applications Increase in Latest MBA Weekly Survey
The article discusses the importance of verifying a person's identity to prevent fraud and scams in various online transactions. It emphasizes the use of CAPTCHA tests to ensure that a real person is accessing the website or service.
Dec 10, 2025 7:30 AM
— Bond Markets
What to Watch in Today's Dot Plot
Bonds were initially weaker but have regained strength after morning economic indicators. The focus is on the Fed's announcement, with the expectation of a rate cut. Concerns arise from a possible pause in rate cuts due to more hawkish sentiments, leading to bond market weakness.
Dec 10, 2025 7:30 AM
— Mortgage Lenders
Mortgage lenders go head-to-head: See who has the best rates this week, Dec. 8-14, 2025
The top three mortgage lenders with the best rates this week are Navy Federal Credit Union, Citi Mortgage, and PenFed Credit Union. Shopping around for the lowest mortgage rate is crucial, as it can save borrowers significant amounts of money over the life of a loan. APR, which includes both interest rates and lender fees, is the most accurate measure of borrowing costs.
Dec 10, 2025 6:33 AM
— Mortgage Lenders
Dec. 9: Home equity, borrower mining, Buy before you sell, flood tools; Milliman/MorVest deal; credit cost news; prepayments slowing
The article discusses various topics related to the mortgage industry, such as combatting fraud, the impact of AI in the mortgage industry, tools to streamline compliance, strategies for retaining customers, and data intelligence for identifying potential borrowers. It also mentions partnerships with Cenlar for HELOC purchases, investment in industry leaders at FirstClose, and a webinar by Flyhome... more
Dec 10, 2025 6:31 AM
— Mortgage Lenders
Mortgage Applications Today: Demand for New Home Loans and Refinancing Climbs as Rates Decrease
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Dec 10, 2025 6:30 AM
— Interest Rates
What are today's mortgage interest rates: December 10, 2025?
The article discusses how the average mortgage interest rates have decreased in 2025, presenting opportunities for homebuyers and homeowners looking to refinance. It emphasizes the importance of monitoring interest rates closely and potentially taking advantage of the current low rates despite the risks involved in waiting for further declines. The article also highlights the benefits of shopping ... more
Dec 10, 2025 6:03 AM
— Interest Rates
Fed meeting live coverage: Federal Reserve set to cut interest rates for third time this year, 2026 forecast in focus
The Federal Reserve is expected to announce a 0.25% rate cut, according to investors. They will also release their economic projections for 2025. The bond yields have been rising despite rate cuts, impacting mortgage rates. Analysts predict that mortgage rates will remain around 6% through 2026. Investors await Fed Chair Jerome Powell's remarks on the labor market during the press conference.
Dec 10, 2025 4:34 AM
— Mortgage Security
Blue Owl funds commit $2.5B to Point for home equity investments
The article discusses the importance of verifying one's identity as a human through CAPTCHA systems to prevent automated software from taking advantage of online services. The article emphasizes the various types of CAPTCHA challenges that users may encounter and the purpose behind them.
Dec 10, 2025 4:34 AM
— Mortgage Fraud Prevention
As rural housing costs soar, financing affordable housing remains a hurdle
The article discusses the importance of verifying human identity in online transactions to prevent fraud. It mentions various methods such as CAPTCHA, biometrics, and behavioral analysis to confirm a user's identity.
Dec 10, 2025 4:33 AM
— Housing Market
Buyers and sellers fear housing market crash in 2026
A new consumer survey shows that many Americans in the housing market fear a real estate downturn in the new year and anticipate challenges. However, 88% of respondents are likely to purchase a home next year. Various reports from organizations like Remax, Redfin, and First American offer different perspectives on the housing market and affordability, with builders reporting record cuts in prices ... more
Dec 10, 2025 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, December 10, 2025: A bump higher before the Fed
Mortgage rates have slightly increased with the 30-year fixed rate at 6.14% and 15-year fixed rate at 5.53%. Refinance rates are higher, with the 30-year fixed rate at 6.22%. There are advantages and disadvantages to both 30-year and 15-year fixed mortgages, as well as adjustable-rate mortgages (ARMs). Rates are expected to remain stable, and refinancing is similar to the initial home buying proce... more
Dec 10, 2025 2:30 AM
— Bond Markets
There's no guarantee the Fed's rate cuts will lower the rates that matter
Bond yields are rising as the Fed cuts rates, which is a puzzling inconsistency. Factors such as shifts in trade policy and the prospects of an ever-widening national debt are keeping yields from dropping further. Higher yields set the cost of borrowing, impacting mortgage rates and economic activity.
Dec 9, 2025 4:33 PM
— Interest Rates
Wednesday: FOMC Announcement
On Wednesday, the Mortgage Bankers Association will release the results for the mortgage purchase applications index. Additionally, the Federal Open Market Committee (FOMC) is expected to cut rates by 25 basis points at their meeting, which will also include forecasts and a press briefing by Fed Chair Jerome Powell.
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.