Understanding Federal Reserve's Role in Mortgage Rates

Why are mortgage rates still so high? There’s something more important than Fed policy at work
The federal funds rate and mortgage interest rates are often expected to move together, but they haven’t lately. Here’s why.
Is the Fed interest rate pause good for mortgage rates?
After implementing three rate cuts in late 2024, the central bank has opted to keep its benchmark federal funds rate steady at 4.25% to 4.50%. The pause comes as inflation showed signs of stubborn persistence,
What the Fed’s Rate Policy Means for Your Finances
Here’s how the central bank’s interest rate stance influences car loans, credit cards, mortgages, savings and student loans.
Mortgage Rates Barely Budge After Fed Announcement
Heading into today's Fed announcement, we didn't expect to receive any significant surprise on the stance of monetary policy.  Financial markets had long since ruled out the possibility of a rate cut and we knew Powell could only really acknowledge recent progress in inflation data while maintaining that more progress is needed for additional rate cuts.
Today's Mortgage Rates | What This Week's Fed Meeting Means for Mortgage Rates
These are today's mortgage and refinance rates. The Fed isn't expected to cut rates this week, but we may see mortgage rates fluctuate anyway.
Mortgage demand drops further, even as interest rates settle
The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($766,550 or less) remained unchanged at 7.02%.
Mortgage rates decline slightly, but help from the Fed isn’t coming
Federal Reserve officials are almost certain to leave benchmark rates unchanged on Wednesday, which would end a run of three straight cuts.
Understanding the Federal Reserve's Role in Mortgage Rates
the Federal Reserve decided to hold rates steady at its first meeting of 2025. This means that mortgage rates are likely to remain elevated in the near term. Because inflation has been somewhat ...
Mortgage Predictions Weekly: What Fewer Fed Cuts Mean for Homebuyers
Even the Federal Reserve, which sets a short-term benchmark interest rate for lenders, only indirectly impacts the mortgage market. The Fed is expected to hold interest rates stea
Mortgage rates saw their first drop in six weeks — and this is the No. 1 mortgage provider in January 2025
We analyzed mortgage reviews on 10 major financial sites to find out which providers landed on the most “best mortgage” lists
Today's Mortgage Rates | Rates May Not Drop Much This Year
These are today's mortgage and refinance rates. Mortgage rates may only drop a little bit this year since the economy is still running strong.
Mortgage Rates Holding Near 2025 Low
Friday, ending the week just a few basis points above their lowest level of the new year. Many other loan types also saw ...
The Fed is set to hit the pause button on rate cuts, for now. Here's the impact on your money.
The Fed is expected to hold off on another rate cut at its Jan. 29 meeting. Here's what it means for your finances.
How to profit from the Fed’s latest interest rate pause
The Federal Reserve’s decision on Wednesday to keep its overnight bank lending rate where it is — following a full percentage ...
Fed pauses interest rate cuts as inflation, Trump's plans create uncertainty
The Federal Reserve kept its key interest rate unchanged as officials grappled with uncertainty caused by inflation and ...