The mortgage market is experiencing notable regulatory and market-driven changes in 2026. Below are the key updates and what they mean for you and your organization.
January 2026
The 2026 mortgage market brings a sense of cautious optimism. After a lengthy period of elevated rates, recent trends suggest a potential easing, which could invigorate the purchase market.
According to Freddie Mac and The Mortgage Reports, mortgage rates in late 2025 have hovered in the low- to mid-6% range, providing stability and a window of opportunity for buyers. Industry forecasts indicate this trend may continue, improving affordability and potentially increasing loan application volumes.
Meanwhile, data from Ramsey Solutions projects a slow increase in inventory, creating new opportunities for MLOs to advise clients and capture additional business. Staying informed on these rate fluctuations and supply trends will be key to client guidance and new business opportunities.
About the Author
Rachel Wieting
Senior Product Manager at OnCourse Learning
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