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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.
RATE WATCH
FED FUNDS RATE 3.88%
NEXT FOMC 10/28/2026
NEXT MOVE 28.4% HIKE
IMPLIED CHANGE +7.1 bps
12-MONTH OUTLOOK +83.0 bps 3-4 HIKES
TARGET BAND 3.75 - 4.00%
SOFR 3.89%
LATEST FED UPDATE 10/6/2026

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.

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Real Estate & Financial Market Updates

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What Millions of Homeowner’s Insurance Contracts Reveal About Risk Sharing
  • Apr 13, 2026
  • New York Fed – Liberty Street Economics
  • Mortgage & Lending

What Millions of Homeowner’s Insurance Contracts Reveal About Risk Sharing

Hyeyoon Jung and Jaehoon (Kyle) Jung Housing is the largest component of assets held by households in the United States, totaling $48 trillion in 2025. When natural disasters strike, the…
A Closer Look at Emerging Market Resilience During Recent Shocks
  • Apr 09, 2026
  • New York Fed – Liberty Street Economics
  • Rates, Fed & Economy

A Closer Look at Emerging Market Resilience During Recent Shocks

Hunter L. Clark, Jeffrey B. Dawson, and Julian Gonzalez-Murphy A succession of shocks to the global economy in recent years has focused attention on the improved economic and financial resilience…
The Fed Has Two Tools to Influence Money Market Conditions 
  • Apr 06, 2026
  • New York Fed – Liberty Street Economics
  • Mortgage & Lending

The Fed Has Two Tools to Influence Money Market Conditions 

Adam Copeland and Owen Engbretson  The Federal Reserve’s 2022-23 tightening cycle involved the use of two monetary policy tools: changes in administrative rates and changes in the size of its…
Treasury Market Liquidity Since April 2025
  • Apr 02, 2026
  • New York Fed – Liberty Street Economics
  • Mortgage & Lending

Treasury Market Liquidity Since April 2025

Henry Dyer and Michael J. Fleming In this post, we examine the evolution of U.S. Treasury market liquidity over the past year, which has witnessed myriad economic and political developments….
Behind the ATM: Exploring the Structure of Bank Holding Companies
  • Mar 31, 2026
  • New York Fed – Liberty Street Economics
  • Rates, Fed & Economy

Behind the ATM: Exploring the Structure of Bank Holding Companies

Lily Gordon and Lee Seltzer Editor’s note: The fifth and sixteenth paragraphs have been revised for technical accuracy. April 8, 2026, 5:00 p.m. Many modern banking organizations are highly complex….
Sports Betting Is Everywhere, Especially on Credit Reports
  • Mar 25, 2026
  • New York Fed – Liberty Street Economics
  • Mortgage & Lending

Sports Betting Is Everywhere, Especially on Credit Reports

Jacob Goss and Daniel Mangrum Editor’s Note: The chart notes for the first chart have been updated to correct errors in how we labeled the trend line colors. (March 25, 2026) Since…
China’s Electric Trade
  • Mar 23, 2026
  • New York Fed – Liberty Street Economics
  • Rates, Fed & Economy

China’s Electric Trade

Thomas Klitgaard China has spent considerable government resources to develop advanced electric technology industries, such as those that produce electric vehicles, lithium batteries, and solar panels. These efforts have spilled…
The New York Fed DSGE Model Forecast—March 2026
  • Mar 20, 2026
  • New York Fed – Liberty Street Economics
  • Mortgage & Lending

The New York Fed DSGE Model Forecast—March 2026

Marco Del Negro, Ibrahima Diagne, Keshav Dogra, Elena Elbarmi, Donggyu Lee, and Michael Pham This post presents an update of the economic forecasts generated by the Federal Reserve Bank of…
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The Ultimate Final Walk-Through Checklist Before Closing on a Home

The Ultimate Final Walk-Through Checklist Before Closing on a Home

September 9, 2026 No Comments
Beautiful exterior of home waiting for a final walk-through, checklist is the best way to make sure you're covered

You’ve nearly completed the entire homebuying process. From those early days of using a mortgage calculator to see how much house you could afford, to touring homes online or in-person, and then finally making an offer on your first home. Now here you are, the home inspection is complete, your bank’s appraiser has submitted their […]

The post The Ultimate Final Walk-Through Checklist Before Closing on a Home appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

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Jackson Hole: Exploring the Financial Frontier

Jackson Hole: Exploring the Financial Frontier

September 3, 2026 No Comments

After two days of heady discussions with academics and policymakers from around the world in high-altitude Jackson Hole, Wyoming, I’m now decompressing back at Street Level. The main theme of this year’s Kansas City Fed symposium was financial innovation in the payments space—a fast-evolving topic with major implications for consumers and central bankers alike. In this post, I’ll share some general takeaways from those Jackson Hole talks and highlight related New York Fed research on payments and financial intermediation.

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Are Central Banks Moving Out of Dollar Assets?

Are Central Banks Moving Out of Dollar Assets?

September 2, 2026 No Comments

The dollar’s share of global official foreign exchange reserves fell from 64 percent in 2015 to 56 percent in 2025. This downward trajectory is sometimes read as evidence that the dollar’s role in international financial markets is eroding. However, aggregate statistics obscure the composition of changes occurring at the country level. In this post, we show that the aggregate decline is not a systematic global shift away from dollar assets. Rather, the aggregate decline reflects the actions of a handful of large reserve holders, changing either their currency preferences or the size of their reserve portfolio. From the perspective of the cross section of countries holding dollar assets, the dollar’s status in official portfolios is largely intact.

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