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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 29.6% HIKE
IMPLIED CHANGE +7.4 bps
12-MONTH OUTLOOK +77.7 bps 3-4 HIKES
TARGET BAND 3.75 - 4.00%
SOFR 3.88%
LATEST FED UPDATE 10/9/2026

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.

Economic News Hub

Real Estate & Financial Market Updates

Article
What Can Undermine a Carbon Tax?

What Can Undermine a Carbon Tax?

Pierre Coster, Julian di Giovanni, and Isabelle Mejean Several countries have implemented a carbon tax or cap-and-trade system to establish high carbon prices and create a disincentive for the use…
Which Entrepreneurs Boost Productivity?  

Which Entrepreneurs Boost Productivity?  

Ufuk Akcigit, Harun Alp, Jeremy Pearce, and Marta Prato Why do some entrepreneurs drive economic growth while others do not? This piece discusses new work that studies entrepreneurs using a…
Tariffs, Trade, and Tumbling Credit Scores: The Top 5 LSE Posts of 2025

Tariffs, Trade, and Tumbling Credit Scores: The Top 5 LSE Posts of 2025

Maureen Egan Each year brings a new set of economic challenges: In 2025, major areas of focus included tariffs and trade tensions, as well as the financial pressures facing younger…
A New Public Data Source: Call Reports from 1959 to 2025

A New Public Data Source: Call Reports from 1959 to 2025

Sergio Correia, Tiffany Fermin, Stephan Luck, and Emil Verner Call Reports are regulatory filings in which commercial banks report their assets, liabilities, income, and other information. They are one of…
Business professionals shaking hands across a desk during a meeting with a laptop

Letters of Recommendation in the PhD Job Market: Lessons from Specialized Banks

Kristian S. Blickle and Cecilia Parlatore Banks must extract useful signals of a potential borrower’s quality from a large set of possibly informative characteristics when making lending decisions. A model…
Designing Bank Regulation with Accounting Discretion

Designing Bank Regulation with Accounting Discretion

Kinda Hachem Why does the banking industry remain prone to large and costly disruptions despite being so heavily regulated? Is there a need for more regulation, less regulation, or simply…
The New York Fed DSGE Model Forecast— December 2025

The New York Fed DSGE Model Forecast— December 2025

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…
The Future of Payment Infrastructure Could Be Permissionless

The Future of Payment Infrastructure Could Be Permissionless

Rod Garratt and Michael Junho Lee Following the recent passage of legislation in the U.S., payment stablecoins seem to be on the brink of wider-scale adoption and explosive growth in…
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The Emergence of Tokenized Investment Funds and Their Use Cases

The Emergence of Tokenized Investment Funds and Their Use Cases

A blockchain is a distributed database where independent computers across the world maintain identical copies of a transaction record, updating it only when the network reaches consensus on new transactions—making the history transparent and extraordinarily difficult to alter. Historically, bonds have traded almost entirely in over-the-counter (OTC) markets, while equities and money market fund shares have largely settled through centralized infrastructures such as stock exchanges and central securities depositories. In both settings, each institution maintains its own records, and post-trade steps like confirmation, clearing, and settlement require multiple intermediaries and repeated reconciliation.

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Financial Intermediaries and Pressures on International Capital Flows

Financial Intermediaries and Pressures on International Capital Flows

Global factors, like monetary policy rates from advanced economies and risk conditions, drive fluctuations in volumes of international capital flows and put pressure on exchange rates. The components of international capital flows that are described as global liquidity—consisting of cross-border bank lending and financing of issuance of international debt securities—have sensitivities to risk conditions that have evolved considerably over time. This risk sensitivity has been driven, in part, by the composition and business models of the financial institutions involved in funding.  In this post, we ask whether these same features have led to changes in the pressures on currency values as risk conditions evolve. Using the Goldberg and Krogstrup (2023) Exchange Market Pressure (EMP) country indices, we show that the features of financial institutions in the source countries for international capital do influence how destination countries experience currency pressures when risk conditions change. Better shock-absorbing capacity in financial institutions moderates the pressures toward depreciation of currencies during adverse global risk events.  

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