Discover how banks set loan interest rates, from Federal Reserve policies to market trends and borrower creditworthiness, for better financial decisions.

Latest economic research and insights delivered to your inbox each month. This paper examines empirically how the effect of interest rates on the three components of bank profits – loan loss provisions, net interest margin, and non-interest income ...

Buying a home is the most expensive purchase many people make in their lifetime. Some people do it only once, while others are in the market with greater frequency. In any instance when the home buying process involves securing a mortgage,

Discover how exchange rates influence the economy, affecting job markets, inflation, and costs of goods. Learn about their indirect impacts on everyday life.

Mortgage rates have fallen to a 52-week low, according to economists at Freddie Mac.¹ That’s good news for homebuyers who have faced tight inventory, higher rates and rising prices. When rates drop, a buyer’s purchasing power increases. Lower rates ...