Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Jan 29, 2026 9:30 AM
— Mortgage Lending
Mortgage Interest Rates Today: Rates Tick Up to 6.10% After Fed Hits Pause on Cuts
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Jan 29, 2026 9:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 29, 2026: Small moves higher as the Fed takes a rate pause
Mortgage and refinance rates increased slightly for the week following the Federal Reserve's decision to pause rate cuts. The 30-year fixed mortgage rate rose to 6.10%, while the 15-year rate reached 5.49%. National average refinance rates also went up. Factors affecting mortgage rates include the economy, employment rates, and the lender's criteria for credit scores, DTI ratios, and down payments... more
Jan 29, 2026 9:30 AM
— Mortgage Rates
Average US long-term mortgage rate ticks higher, holding near lowest point in more than 3 years
The average long-term U.S. mortgage rate increased slightly for the second week in a row but remains relatively low compared to previous years. Mortgage rates are influenced by various factors including decisions made by the Federal Reserve, bond market investors' expectations for the economy and inflation, and the yield on 10-year Treasury bonds. The housing market has been in a sales slump due t... more
Jan 29, 2026 8:33 AM
— Mortgage Lenders
Mortgage Application Payments Decreased in December
The article discusses the importance of a human touch in the mortgage lending process, despite advances in technology. It highlights how emotional support, guidance, and personalized service from a mortgage lender can greatly benefit borrowers during the stressful home buying process.
Jan 29, 2026 8:31 AM
— Mortgage Finance
Short Takes: Interest Rate Outlook / Homebuyer Confidence Lags / Batch Pricing Tool for FICO Scores / Employer Benefits for Housing
The article discusses the copyright information for Inside Mortgage Finance Publications in 2026.
Jan 29, 2026 8:31 AM
— Mortgage Finance
GSEs’ MBS Plan Prompts Revisions to Rate Forecasts
The article discusses the latest trends and news in the mortgage industry, focusing on factors that affect mortgage rates and the housing market. It also touches on the role of mortgage lenders and the overall landscape of mortgage lending.
Jan 29, 2026 7:32 AM
— Mortgage Lenders
What D.R. Horton’s strategy reveals now about new-home demand
The article discusses how D.R. Horton is adapting to high mortgage rates by focusing on affordability. They have reshaped their operating model to prioritize what monthly payments buyers can handle, offering smaller, more efficient homes and tailored financing options. Despite higher rates, D.R. Horton continues to expand its order backlog and stay profitable. The key takeaway is that builders nee... more
Jan 29, 2026 6:31 AM
— Bond Markets
Weaker After Econ Data, But Bonds May Be Looking Elsewhere
Continued jobless claims have dropped to the lowest level since October 2024, leading to bonds selling off slightly. The connection between the two events is not immediately clear, as selling did not start right after the data release. The selling is speculated to be tied to surging commodities prices, but the overall impact is limited in the bigger picture.
Jan 29, 2026 4:33 AM
— Housing Market
Housing Affordability Improves Nearly 10% In 2025 As Rates And Incomes Align
Housing affordability in the United States improved significantly in 2025, with consumer house-buying power increasing by 9.8% year-over-year in November. This improvement can be attributed to higher incomes and decreasing mortgage rates.
Jan 29, 2026 4:31 AM
— Home equity loans and HELOC rates both reach 2023 lows
Home Equity And HELOC Rates Hold At Three-Year Low
Home equity rates remained steady as the Federal Reserve kept interest rates unchanged in the first meeting of 2026. The average HELOC rate is at a three-year low and is expected to drop below 7% this year. Home equity rates are influenced by Federal Reserve policy and inflation expectations. Despite low rates, home equity products are still considered high-cost debt.
Jan 28, 2026 7:32 PM
— Mortgage Lending
FOMC Commentary from MBA's Mike Fratantoni
The article discusses the importance of verifying human users on websites to prevent bot activity. It mentions various methods such as CAPTCHA tests and biometric verification to ensure that real users are interacting with the platform.
Jan 28, 2026 5:33 PM
— Mortgage Rates
Mortgage Rates Steady Ahead of Fed Meeting as Eyes Turn to Spring Housing Market
The Federal Reserve is concluding a two-day meeting with no expected changes to benchmark rates, leading to stabilization in mortgage rates in the low-6% range.
Jan 28, 2026 5:30 PM
— Interest Rates
Title Strategy, Non-Agency, Construction Capital, Workflow Tools; Housing Policy, Rates, and $200 Billion
The article discusses slogans of various companies related to housing, President Trump's proposal to buy $200 billion of mortgage-backed securities, and the impact on Fannie Mae and Freddie Mac. It also includes advertisements for construction capital, correspondent lending, sales and marketing operating systems, and non-QM lending programs. Moreover, it addresses how housing policies affect mortg... more
Jan 28, 2026 3:35 PM
— Mortgage Rates
FOMC Maintains Target Range for Federal Funds Rate; MBA Economist Weighs In
The Federal Reserve decided to keep the federal funds target range unchanged, with inflation remaining above their target and the job market showing signs of softening. There were two dissents in favor of another rate cut. The majority seems to be in favor of pausing the rate-cutting cycle unless the job market weakens further. Mortgage rates are forecasted to remain relatively stable, which is ex... more
Jan 28, 2026 3:32 PM
— Mortgage Rates
Mortgage Applications Decrease in Latest MBA Weekly Survey
Mortgage applications decreased by 8.5% compared to the previous week. Refinance applications fell by 16% due to an increase in mortgage rates, with the 30-year fixed rate reaching 6.24%. Purchase applications were 18% higher than the previous year. The refinance share of mortgage activity decreased, while the FHA share increased. Interest rates for various types of mortgages either increased or d... more
Jan 28, 2026 3:31 PM
— Housing Market
Why homeowners insurance rates could stabilize in 2026
Homeowners insurance premiums rose in 36 states and the District of Columbia over a two-year period. Extreme weather remains a concern for homeowners, impacting decisions on home purchases or relocations. The Federal Housing Administration program continues to gain market share due to ongoing affordability issues. Foreclosure filings in the United States increased by 14% from 2025.
Jan 28, 2026 1:32 PM
— Interest Rates
Fed pauses interest rate cuts, with future easing uncertain
The Federal Reserve has paused its monetary easing campaign and decided to hold rates steady in the range of 3.5% to 3.75%. Some FOMC members dissented, but the rate-cut pause was widely anticipated. The decision was influenced by stable inflation readings and a tepid labor market. Speculative contracts had previously predicted the Fed would stand pat. The article also discusses the factors that l... more
Jan 28, 2026 1:32 PM
— Mortgage Rates
What the Fed's first look in 2026 means for mortgages
Mortgage professionals surveyed do not expect interest rates to fall significantly in 2026 despite the initial take on the economy by the Federal Open Market Committee. The latest jobs numbers are not predicted to result in major monetary policy changes. Some concerns about inflation were noted, but employment is seen as a larger downside risk.
Jan 28, 2026 1:31 PM
— Interest Rates
No Surprises From Powell. No Major Movement in Rates
The Federal Reserve kept rates steady and had a moderately more hawkish tone in acknowledging progress in the labor market and economy. Bond markets reacted with little movement, MBS remained unchanged, and 10yr rates were effectively steady.
Jan 28, 2026 1:30 PM
— Mortgage Rates
Mortgage Rate Winning Streak Ends, But Just Barely
The Federal Reserve made a rate announcement which did not result in any change to the Fed Funds Rate. The lack of surprises in the announcement led to no significant impact on mortgage rates. Federal Reserve Chair Powell's press conference also did not unveil any new information that could cause a market reaction. Overall, financial markets, including stocks and bonds, remained flat following the... more
Jan 28, 2026 12:34 PM
— Mortgage Regulations
MBA Leads Joint Trades Letter Offering Actions to Lower Costs for Mortgage Borrowers
The Mortgage Bankers Association, America’s Credit Unions, and the Independent Community Bankers of America sent a letter to the White House's National Economic Council urging three near-term administration actions to lower costs for borrowers seeking home mortgages. The actions include ending the tri-merge credit reporting requirement, responsibly reducing mortgage insurance premiums, and reducin... more
Jan 28, 2026 12:34 PM
— Mortgage Rates
Mortgage Rates Steady Ahead of Fed Meeting as Eyes Turn to Spring Housing Market
The Federal Reserve is expected to conclude a two-day meeting with no significant changes to mortgage rates, which currently remain in the low-6% range. Policymakers are anticipated to keep benchmark rates unchanged.
Jan 28, 2026 12:34 PM
— Housing Market
A blueprint for making housing more affordable
The U.S. housing market is facing a structural challenge of affordability due to a shortage of housing supply, rising non-interest costs, and regulatory barriers. Three key reforms are suggested to address this crisis, including updating the tax code, optimizing the GSE refinance framework, and scaling manufactured housing as a cost-effective alternative. These reforms aim to restore liquidity in ... more
Jan 28, 2026 11:32 AM
— Reverse Mortgages
New Data Analysis Shows Top States for HECMs
HECMs, or Home Equity Conversion Mortgages, are a popular type of reverse mortgage commonly used by older homeowners to access money from their home without making monthly mortgage payments. The program is backed by the FHA and requires a HUD-approved counseling session. California had the highest number of HECMs taken out over the last three years, followed by Florida, Texas, Arizona, and Colorad... 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.