Mortgage News
The Most Comprehensive Source of Mortgage-Related News
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Jan 14, 2026 1:31 PM
— Home equity loan rates drop and HELOCs rise as Fed cuts rates
HELOCs plunge to lowest level in three years; home equity rates tick slightly higher
HELOC rates dropped to three-year lows in the latest week, while home equity loan rates remained steady. The Fed's rate cuts in 2025 led to the decrease in rates, and more cuts are expected in 2026. Home equity rates are influenced by Federal Reserve policy and inflation expectations. Despite lower rates, home equity products are still considered high-cost debt.
Jan 14, 2026 1:30 PM
— Housing Market
The housing market is at a turning point: the 3% mortgage era is fading
The housing market is experiencing a 'great housing reset' with more homeowners having mortgages above 6% than below 3%. This is impacting the housing supply and affordability challenges. However, the market is starting to rebalance, with some households taking out mortgages at higher rates to diminish the 'lock-in effect'. There is still a long way to go before a meaningful boost in housing suppl... more
Jan 14, 2026 12:30 PM
— Mortgage Rates
Mortgage Rates Unchanged Despite Bond Market Improvement
Bond market trading levels impact the rates mortgage lenders can offer. Last week's news of planned purchases of $200bln in mortgage backed bonds caused rates to lower, but other inputs can affect rates as well. Mortgage lenders may become too busy to handle more volume, leading them to raise rates to deter new business. They may also raise rates to prevent borrowers from refinancing early, which ... more
Jan 14, 2026 10:30 AM
— Mortgage Rates
Bond Buying Announcement Leads Surge in Mortgage Apps
Following the announcement that Fannie and Freddie would buy $200 billion in mortgage-backed securities, mortgage rates experienced a significant drop, with the top tier 30-year fixed rate hitting 5.99%, the lowest in about 3 years. This led to a 28.5% increase in mortgage applications, primarily driven by a 40% surge in refinance applications. Purchase activity also strengthened significantly, wi... more
Jan 14, 2026 9:32 AM
— Mortgage Lending
Mortgage Applications Increase in Latest MBA Weekly Survey
The article discusses the importance of verifying human identity in online transactions to prevent fraud and ensure security.
Jan 14, 2026 9:30 AM
— Housing Market
Existing-Home Sales Jump 5.1% in December, Strongest Pace in Nearly Three Years
Existing-home sales experienced a notable year-end rebound in December, with a 5.1% increase to a seasonally adjusted annual rate of 4.35 million. This marks the strongest December sales in nearly three years, showing broad-based improvement across all four regions. Inventory tightened sharply during the month due to typical winter seasonality, with total housing inventory falling to 1.18 million ... more
Jan 14, 2026 9:30 AM
— Mortgage Lenders
Trump's new push for lower rates
The article discusses the importance of verifying one's identity as a human before completing certain online actions. This verification process usually involves completing tasks like puzzles or selecting certain images to prove that the user is not a robot.
Jan 14, 2026 7:48 AM
— Mortgage Rates
Mortgage applications jump following MBS purchase proposal
Mortgage demand spiked after Fannie Mae and Freddie Mac announced they would purchase up to $200 billion in mortgage-backed securities to subsidize rates at President Trump's direction. The Market Composite Index jumped 28.5% on a seasonally adjusted basis, leading to a surge in refinance applications and an increase in purchase buyers. Interest rates for 30-year fixed-rate mortgages fell, leading... more
Jan 14, 2026 7:32 AM
— Mortgage Lenders
Glenn Kelman steps down as Redfin CEO
Redfin CEO Glenn Kelman announced his departure after two decades, months after Rocket Companies acquired the firm. Kelman expressed gratitude towards Rocket and CEO Varun Krishna for their support. With the mortgage rates expected to remain flat, lenders are focusing on attracting creditworthy borrowers through creative means.
Jan 14, 2026 7:30 AM
— Mortgage Rates
5.5% and below: Mortgage lenders with the best rates this week, Jan. 12-18, 2026
The article discusses the current mortgage rates offered by the top 10 home loan providers, with six of them offering rates in the sub-6% range. It emphasizes the importance of looking at the annual percentage rate (APR) that includes both the interest rate and lender fees for a more accurate measure of borrowing costs. The article also highlights the impact of credit scores, down payments, and lo... more
Jan 14, 2026 7:30 AM
— Housing Market
2025 US home sales stuck at 30-year low as mortgage rates, prices weighed on market
The U.S. housing market slump continued into its fourth year in 2025, with sales remaining low due to rising home prices and elevated mortgage rates. Sales have been declining annually since 2022, with sales stuck at around a 4-million annual pace. Despite a recent improvement in conditions with lower mortgage rates, affordability remains a challenge for many potential buyers, particularly first-t... more
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
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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.
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 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.