: Rates saw an unexpected spike in March 2026 following geopolitical tensions in Iran, which impacted oil prices and 10-year Treasury yields.
Primary Mortgage Market Survey. ... The 30-Year Fixed-Rate Mortgage Declines Further * The 30-year fixed-rate mortgage averaged 6. Freddie Mac
: The 30-year fixed mortgage rate is currently averaging 6.23% to 6.35% . american mortgage financial
Data Spotlight: The Impact of Changing Mortgage Interest Rates
: As of April 23, 2026, Fannie Mae and Freddie Mac have fully moved toward using VantageScore 4.0 and FICO Score 10T . This shift is intended to help renters qualify for mortgages by including more predictive data points. Economic Outlook : Rates saw an unexpected spike in March
The Mortgage Bankers Association (MBA) forecasts that the mortgage market will reach in total volume for 2026. While a "breakout year" is not expected, a modest recovery in sales volume of 5% to 7% is predicted as inventory slowly rebuilds in parts of the South and West. Mortgage Rates - Freddie Mac
: While overall stability remains, serious delinquencies (90+ days past due) have risen to 0.92% , up from 0.70% a year ago. Notable Market Shifts The 30-Year Fixed-Rate Mortgage Declines Further * The
: Approximately 82.8% of existing homeowners still hold rates below 6%, making them extremely hesitant to sell and move, which continues to starve the market of inventory.