HeyJaredRick Roque
- Indexed articles, last 90 days
- 4
- Latest publication
- Sep 28, 2026
- Outlet visibility, for HousingWire
- Top 500K sites
- Earliest in this view
- Sep 9, 2026
Latest articles
Is technology changing the economics? (opens the original)
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Each installment of this series has opened with the 30-year mortgage rate higher than the one before it. This week was no exception. Freddie Mac reported that the 30-year fixed-rate mortgage averaged 7.03% as of September 24, up from 6.95% the previous week and 6.30% a year earlier. Our first article, published four weeks ago, quoted 6.66%. In its mid-September forecast, the Mortgage Bankers Association trimmed its projection for single-family mortgage origination volume as Treasury yields rose
Mortgage Lenders Look for Moats as 30-year Rates Near 7% (opens the original)
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Each installment of this series has opened with the 30-year rate higher than the one before it, and this week the ladder reached a new rung. On September 16, the Federal Reserve raised the federal funds rate a quarter point, to a target range of 3.75% to 4.00%, its first increase since July 2023. Daily 30-year conforming averages had already reached 7.28% on the eve of the meeting, and Freddie Mac’s weekly survey printed 6.94% the following day, its highest reading since January 2025. Our first
Who Owns the Customer in Mortgage Lending? (opens the original)
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Each installment of this series has opened with the 30-year rate higher than the one before it. When our first article ran, Freddie Mac’s weekly survey stood at 6.66%. The debate through the summer was whether rates would breach 7%. That debate is over. On September 10, the daily 30-year average crossed 7% for the first time since May 2025, and it has held at or near that threshold since, with the 10-year Treasury touching 5% ahead of this week’s Federal Reserve meeting. Freddie Mac’s weekly sur
Scale Profitably in Mortgage Lending, Test Unit Economics (opens the original)
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When our first article ran two weeks ago, Freddie Mac had the 30-year fixed rate at 6.66%. As of this writing, rates hover above 7% for the first time this year. The premise of this series, that no strategic plan should rest on rates rescuing the market, has not only held up, but it has emphasized the point further. The arithmetic of what a rate move costs this industry is well documented. The National Association of Home Builders estimates that a single quarter-point movement in the 30-year shi
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