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Mortgage Rate Intelligence & Market Updates

Stay informed about economic developments that may influence mortgage rates and home financing decisions. Explore updates covering inflation, Federal Reserve policy, Treasury yields, housing trends, and other important market indicators. Use the category filters to browse relevant economic and mortgage news, then select an article to read the full update. Review the latest stories and market insights to better understand changing conditions when considering your mortgage options.

What Today’s Economic Data Can Mean for Mortgage Rates

Mortgage rates can respond to changes in inflation, employment, Federal Reserve policy, Treasury yields, and expectations about future economic growth. These factors do not determine mortgage rates by themselves, but they can influence the broader bond market and the pricing lenders offer.

For homebuyers and homeowners, the important question is not simply whether economic news is “good” or “bad.” The key is how new information changes expectations for inflation, interest rates, and the economy. Those changes can contribute to mortgage rate movement and affect purchasing power, refinance opportunities, and monthly payment estimates.

Use the market updates below as supporting information, then consider your specific loan type, credit profile, property, and financing goals when evaluating current mortgage options.

Economic News Hub

Real Estate & Financial Market Updates

Article
How Basel III Changes Where Capital Sits: Nonbank Subsidiaries as Equity Reservoirs

How Basel III Changes Where Capital Sits: Nonbank Subsidiaries as Equity Reservoirs

Nicola Cetorelli and Shohini Kundu This post is the second in a three-part series on how bank regulation interacts with the organizational structure of banking firms. The first post documented that…
Capitalizing on Nonbanks: Regulatory Arbitrage Within Bank Holding Companies

Capitalizing on Nonbanks: Regulatory Arbitrage Within Bank Holding Companies

Nicola Cetorelli and Shohini Kundu This post is the first in a three-part series on how bank regulation interacts with the organizational structure of banking firms. The series draws on…
Effect of Tariffs on U.S. Small Businesses

Effect of Tariffs on U.S. Small Businesses

Will Aarons and Asani Sarkar How has the recent implementation of tariffs affected small businesses? Due to lack of data, little is known about this issue. In this Liberty Street…
More Tariff Pass‑Through Is in the Pipeline

More Tariff Pass‑Through Is in the Pipeline

Jaison R. Abel, Mary Amiti, Richard Deitz, Sebastian Heise, and Nick Montalbano The past year brought dramatic changes to U.S. trade policy, including sweeping new tariffs, as well as a…
What Do Over 3,000 Bank Runs Teach Us About Banking Crises?

What Do Over 3,000 Bank Runs Teach Us About Banking Crises?

Sergio Correia, Stephan Luck, and Emil Verner Runs on financial institutions are one of the salient markers of financial crises. But the role of runs in crises is a topic…
Using AI to Let History Speak About Bank Runs

Using AI to Let History Speak About Bank Runs

Sergio Correia, Stephan Luck, and Emil Verner Banking crises are commonly associated with bank runs and banking panics, yet our empirical understanding of bank runs is constrained by a lack…
The Disappearing Overnight Drift

The Disappearing Overnight Drift

Nina Boyarchenko, Lars C. Larsen, and Paul Whelan In a 2021 Liberty Street Economics post, we documented the “overnight drift”—a large, persistent return to holding U.S. equity futures in the…
Liquidity Fades as Treasuries Age

Liquidity Fades as Treasuries Age

Alain Chaboud, Ellen Correia Golay, Michael J. Fleming, Yesol Huh, Frank M. Keane, and Or Shachar More than $30 trillion U.S. Treasury debt is outstanding. Less than 4 percent of this…
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