American Mortgage Financial » | EXCLUSIVE |

: The 30-year fixed mortgage rate is currently averaging 6.23% to 6.35% .

: While overall stability remains, serious delinquencies (90+ days past due) have risen to 0.92% , up from 0.70% a year ago. Notable Market Shifts american mortgage financial

: As of April 23, 2026, Fannie Mae and Freddie Mac have fully moved toward using VantageScore 4.0 and FICO Score 10T . This shift is intended to help renters qualify for mortgages by including more predictive data points. Economic Outlook : The 30-year fixed mortgage rate is currently averaging 6