Why mortgage rates haven’t followed oil prices by moving lower

Many people in the housing industry are wondering why mortgage rates haven’t fallen even as oil prices have dropped from $111 per barrel to less than $73 today. The 10-year Treasury yield is at 4.48% and mortgage rates are near their yearly highs. This is a fair question, and we have already discuss
Read MoreMortgage rates move near 6.8% as the potential for a Fed hike grows

Mortgage rates are moving higher as 2026 nears its midway point. And sentiment has shifted when it comes to rate expectations as more housing market observers are predicting at least one rate hike this year — a stark contrast to the start of 2026 when multiple cuts were on the table and sub-6% rates
Read MoreBuilders planned for undersupply, now demand is the swing factor

The “emerging trends” in housing story over the past decade or more has been a tale of magnitude variations on a theme: constrained supply eclipsed by growing demand. If there is one conclusion that rises above all others in this year’s “The State of the Nation’s Housing 2026” report, it is that the
Read MoreRealtor.com: Investor home purchase activity was stable in 2025

Investor activity in the U.S. housing market remained resilient in 2025 even as overall home sales fell to one of their lowest levels in decades, according to a report released Tuesday by Realtor.com. Investors purchased roughly 534,000 homes last year, a 0.7% increase from 2024, while their share o
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