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Home/Credit & Lending/SOFI · 30-YEAR MORTGAGE RATE

Two-Week Ceasefire Eases Mortgage Rates After Five-Week Climb

LP

Lennox Prescott

SoFi · Apr 15, 2026

Two-Week Ceasefire Eases Mortgage Rates After Five-Week Climb

Source: DojiDoji Data Terminal

The average 30-year fixed-rate mortgage dropped to 6.37% from 6.46% last week, while the 15-year fixed-rate average eased to 5.74% from 5.77%. These declines follow five consecutive weeks of increases that pushed borrowing costs to their highest level in nearly seven months.

Related Brief9h ago
mortgage rates

Mortgage rates will remain elevated through 2026 due to geopolitical tensions

Mortgage rates will remain elevated through 2026. This is the consequence of geopolitical tensions that have increased oil prices, pushing inflation higher than previously expected. The Mortgage Bankers Association predicts inflation will reach closer to 4% by the end of 2026, up from an original forecast of 3.2%. Because of these inflation risks, the Mortgage Bankers Association has removed expectations for Federal Reserve rate cuts this year. The federal funds rate is expected to remain in the range of 3.5% to 3.75% with little movement anticipated into 2027.

Bond yields began to ease this week after the U.S. and Iran agreed to a two-week ceasefire. The 10-year U.S. Treasury yield, which banks use to price home loans, fell to 4.28% from 4.3% a week ago. This volatility follows a period of instability triggered by the war with Iran, which pushed 10-year Treasury yields from 3.97% in late February to their recent peaks.

Related Brief13h ago
mortgage rates

A ceasefire between the U.S. and Iran lowers 30-year mortgage rates to 6.37%

Prospective homebuyers face a reduction in monthly borrowing costs after the average 30-year fixed rate mortgage rate dropped to 6.37% from 6.46% last week. The decline follows five straight increases that added hundreds of dollars a month in costs for home shoppers. The rate drop was driven by a decrease in the 10-year U.S. Treasury yield, which banks use as a guide to pricing home loans. The yield dropped to 4.28% in midday trading Thursday, down from 4.3% a week ago. This shift in bond yields followed a two-week ceasefire agreement between the U.S. and Iran. Mortgage applications fell 0.8% last week from the previous week.

Inflation remains a constraint on further declines. Consumer prices rose 3.3% year over year in March, up from 2.4% in February, largely driven by energy prices. The Federal Reserve has held rates steady for the second time in 2026, citing its mandate to achieve a 2% inflation rate.

Related Brief19h ago
mortgage rates

Treasury yields and oil prices lock mortgage rates above 6%

The average 30-year fixed mortgage rate rose one basis point to 6.16%. This movement follows a rise in the 10-year Treasury yield to 4.33%. The Federal Reserve maintained the federal funds rate between 3.50% and 3.75% during its March meeting. This caution stems from inflation, which rose 3.3% in March compared to the previous year. Underlying this inflation are higher costs for shipping and fuel driven by Middle East conflict, which pushed oil prices above $100 per barrel.

Mortgage applications fell 0.8% last week from the previous week.

Related Brief1d ago
housing market

Higher mortgage rates push first-time buyers to record age of 40

The median age of first-time home buyers has reached 40, a record high, as rising mortgage rates and tight supply push ownership further out of reach. The average 30-year fixed-rate mortgage climbed to 6.18% in March, up from 6.05% the month before, adding hundreds of dollars in monthly payments for would-be buyers. That increase helped drive existing home sales down 3.6% in March to a seasonally adjusted annual rate of 3.98 million, according to the National Association of Realtors. Sales are now 1% below last year’s pace. The group has slashed its 2026 forecast for existing home sales to a 4% increase, down sharply from the 14% gain it projected late last year. Tight inventory and rising borrowing costs are delaying homeownership for a generation of buyers.

SoFi30-year mortgage rate

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