Mortgage News
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Jan 7, 2026 4:00 AM
— Mortgage Rates
Mortgage demand drops nearly 10% to end 2025, despite lower interest rates
Mortgage rates decreased at the end of 2025 and the beginning of 2026, but did not lead to an increase in demand. Application volume fell, with refinancing applications dropping by 14%. The average contract interest rate for 30-year fixed-rate mortgages also decreased to its lowest level since September 2024. As rates fall, there is less demand for adjustable-rate loans.
Jan 7, 2026 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, January 7, 2026: A long stretch of stability
Mortgage rates have been relatively stable recently with small changes in the national average rates for 30-year fixed, 20-year fixed, and 15-year fixed mortgages. The article discusses how the length of the mortgage term affects monthly payments, the pros and cons of different types of mortgages such as fixed-rate and adjustable-rate mortgages, and provides insights into whether to choose a 15-ye... more
Jan 7, 2026 1:32 AM
— Housing Market
Why 2026 might finally be the year homeowners let go of their 2–3 percent rates
Many homeowners who locked in historically low mortgage rates below 4 percent are now considering moving as the market stabilizes and their life circumstances change. Housing decisions are increasingly being driven by lifestyle factors rather than fear, leading to a more balanced market in Las Vegas. With improved inventory and incentives, homeowners are gaining confidence to make move-up purchase... more
Jan 7, 2026 12:30 AM
— Mortgage Refinancing
Current refi mortgage rates report for Jan. 7, 2026
The article discusses current average refinance rates, the process of mortgage refinancing, the impact of Federal Reserve rate cuts on interest rates, relief felt by homeowners due to lowering rates, reasons to refinance like securing a lower rate, tapping home equity, changing loan terms or types, and costs associated with refinancing. It also mentions different refinance options available and th... more
Jan 6, 2026 6:32 PM
— Mortgage Lending
California real estate trainer fined, banned for license exam violations
Real Estate Trainers Inc. and its ex-president settled with California DRE over the improper use of exam content. The settlement includes a $60,000 penalty and a three-year ban from license activities.
Jan 6, 2026 5:32 PM
— Housing Market
Wednesday: ADP Employment, Job Openings, ISM Services
The article outlines the schedule of economic reports and releases for the day, including the Mortgage Bankers Association's results for the mortgage purchase applications index, the ADP Employment Report, the Job Openings and Labor Turnover Survey, and the ISM Services Index.
Jan 6, 2026 4:31 PM
— Housing Market
DOJ is still keeping a close eye on real estate commission rules
The DOJ's recent court filing questions the legality of Realtor commission rules, suggesting they may be anticompetitive, which could impact how brokerages defend their practices and assess risk. There are ongoing legal battles and settlements related to commission lawsuits in the real estate industry.
Jan 6, 2026 4:30 PM
— Mortgage Rates
Bankrate’s Interest Rate Forecast for 2026: See what’s next for mortgage rates, credit card rates, auto loans and more
The Federal Reserve is projected to cut interest rates by three quarters of a percentage point in 2026, potentially leading to lower mortgage rates throughout the year. This could provide relief for borrowers and help improve housing affordability. Home equity loan rates are also expected to ease slightly, but will still be higher than pre-pandemic levels.
Jan 6, 2026 3:32 PM
— Housing Market
What QXO’s $1.2 billion investment means for the fragmented building materials industry
QXO, a distributor of roofing products and building materials, is aiming to disrupt the building products industry and reach $50 billion in annual revenue through acquisitions. They recently received a $1.2 billion investment from Apollo Global Management to fund these acquisitions. QXO plans to consolidate the industry and create a tech-focused digital platform for efficiency.
Jan 6, 2026 3:30 PM
— Mortgage Rates
Mortgage Interest Rate Forecast For 2026
Mortgage rates are not expected to return to pandemic lows in 2026, but they could potentially fall below 6%. The housing market has been influenced by various economic factors such as inflation, job market conditions, and Fed policies. Lower rates may lead to increased homebuyer activity and affordability, but uncertainties remain due to economic winds at play. The mortgage rate forecast for 2025... more
Jan 6, 2026 2:32 PM
— Mortgage Industry Trends
Producing loan officers rise in 2025 as mortgage market stabilizes
The mortgage industry saw its first annual increase in producing loan officers since the COVID-19 pandemic, with 221,161 active LOs in 2025. Broker headcount grew while those employed by IMBs declined.
Jan 6, 2026 1:32 PM
— Housing Market
Tennessee proposes full property tax reimbursement for seniors
A Tennessee official proposed a plan to provide full property tax reimbursements for homeowners 65 and older with at least 20 years of state residency in order to prevent tax foreclosures and help seniors stay in their homes. The plan would cost about 3% of the state's annual budget.
Jan 6, 2026 1:31 PM
— Housing Market
Rising insurance costs shape homeowner decisions in 2026
Home insurance costs have risen by 24% since 2021, leading to increased housing affordability pressures for American homeowners. Many homeowners expect further increases in 2026, with insurance costs now rivaling mortgage rates and home prices as a key factor influencing buying decisions. Climate risks, modest home price growth, and high mortgage rates continue to impact where and whether American... more
Jan 6, 2026 1:31 PM
— Housing Market
How cash-strapped are millennial home buyers?
A quarter of millennials have more debt than savings, impacting their ability to afford a 10% down payment on a home. Concerns about a potential market crash and extreme weather conditions are influencing decisions in the housing market. Saving for a down payment has taken less time this year compared to previous years. Home equity is being seen as an important asset requiring accurate valuation a... more
Jan 6, 2026 1:30 PM
— Mortgage Lending
Woman Offered Once-in-a-Lifetime Chance for a Mortgage Rate of Just 2%. Her Boyfriend Thinks She Shouldn't Take It
A 28-year-old banker shared on Reddit her dilemma of wanting to purchase a home on her own with a low-interest loan provided by her employer, despite her boyfriend's objections. The boyfriend preferred to buy property together later using only their own money to remain debt-free. Reddit commenters overwhelmingly supported the woman's decision to move forward independently due to the valuable oppor... more
Jan 6, 2026 12:31 PM
— Mortgage Insurers
U.S. mortgage insurance sector on solid footing in 2026: Fitch
Fitch Ratings believes U.S. mortgage insurers are well positioned entering 2026 due to robust capital positions and steady underwriting performance. The adherence to stringent capital requirements and high-quality loan portfolios are highlighted as factors contributing to the sector's resilience. Despite potential challenges like high interest rates and affordability issues, the industry is expect... more
Jan 6, 2026 12:30 PM
— Mortgage Rates
Mortgage Rates Barely Budge, But Volatility Risk is Increasing
Mortgage rates have remained steady for 5 consecutive days with little movement. However, upcoming labor market reports and ISM's service sector report could potentially cause rates to change depending on the data's strength.
Jan 6, 2026 10:31 AM
— Mortgage Rates
Mortgage rates steady as 2026 housing outlook brightens
Mortgage rates have remained stable around 6.4% with little change recently. Analysts predict a strong housing market in 2026, tighter mortgage spreads, and increased MBS purchases by GSEs.
Jan 6, 2026 8:30 AM
— Interest Rates
CD rates forecast for 2025: Top yields will decline, yet they’ll outpace inflation
In 2024, Federal Reserve rate cuts led to declining yields on many deposit accounts, but savers could still benefit from strong yields on certificates of deposit (CDs). Despite an expected drop in CD rates in 2025, they are projected to outpace inflation. The average APY for 1-year CDs started and ended at 1.96% in 2024, while 5-year CDs started and ended at 1.41% and 1.42%, respectively. By the e... more
Jan 6, 2026 8:30 AM
— Mortgage Lending
AI, 2nds, Servicing Tools; Wire Fraud Scheme; MISMO Changes; Thoughts on Affordability
The article discusses various aspects of the mortgage industry, including the fact that 40% of U.S. homes do not have a mortgage, the shortage of housing units, the use of technology in the mortgage market, AI in lending, and recent developments in the industry such as joint ventures and acquisitions. It also highlights a new wire fraud scheme targeting settlement companies.
Jan 6, 2026 8:30 AM
— Mortgage Rates
How to get the lowest mortgage rate possible in 2026
The article provides tips on how to secure the lowest mortgage rate possible in the 2026 housing market. It discusses the importance of credit score, debt-to-income ratio, down payment, buying discount points, and various strategies to negotiate better rates with lenders. It also mentions alternatives like buydown programs, adjustable-rate mortgages, and shorter-term loans to lower interest rates.
Jan 6, 2026 6:31 AM
— Mortgage Rates
Mortgage spreads are narrowing, but for which reason?
The spread between the 10-year Treasury yields and 30-year fixed mortgage rates tightened at the end of 2025 due to increased holdings of mortgage-backed securities by Fannie Mae and Freddie Mac. The 30-year fixed mortgage rate is expected to reach 6% in 2026, with some observers believing it could go lower. Loanlogics introduced the LoanBeam NQM income analyzer. Originators with less than $59 mil... more
Jan 6, 2026 6:30 AM
— Bond Markets
Volume is Back. Still Waiting on Volatility
The bond market has been range trading between 4.10-4.20% in terms of 10yr yields since December 10th. Despite a return in trading volume post-holidays, market watchers are waiting for a breakout. Wednesday and Friday's economic data are seen as potential catalysts.
Jan 6, 2026 4:30 AM
— Mortgage Lending
AI, Retention, Jumbo Tools; STRATMOR Interview; Lenders From 2006; Mortgage Action Alliance
Redfin predicts that next year will be the beginning of 'The Great Reset,' where wages grow faster than home prices for the first time since 2008. Bill Dawley shares his journey from professional baseball to a career in mortgage banking. Various companies are offering incentives and programs to kick-start lending pipelines in 2026. Webinars and discussions are being held on various topics related ... 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.