Recent third-party reporting on rates, lending policy, and housing—paired with Lendwise explanations of what market headlines can and cannot tell you.
Read the market with context
Market reporting can explain broad direction. It cannot determine the rate, payment, or costs available for one borrower and one property.
Mortgage rates are market prices, not a number the Federal Reserve sets directly. Bond markets, inflation expectations, and economic news can all influence them, but a policy-rate change does not guarantee an equal or immediate change in a particular mortgage quote.
Review Federal Reserve market-rate dataA national average summarizes many applications. An individual offer can differ because of credit history, loan type, term, down payment, property use, points, and other transaction details. It is not a live Lendwise price or an offer to lend.
See Freddie Mac's survey methodologyCompare the same loan type on the same day and look beyond the note rate. APR, discount points, lender credits, closing costs, and how long you expect to keep the loan all affect the trade-off.
Learn about loan costs from the CFPBContinue with context
Compare recent market averages and Treasury context without treating them as a personal quote.
Read moreTest educational payment, affordability, amortization, and refinance scenarios.
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