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Rising bond yields and mortgage rates could push some U.S. lenders to leave the market, mortgage executive Melissa Cohn warned in an October 5, 2026 report. That is a risk she sees—not evidence that a new wave of lender exits has already occurred. If lenders do pull back, borrowers could face fewer loan options and less competition on price.
Why Cohn says lenders may be under pressure
Mortgage Professional reported that Treasury yields had climbed to levels not seen in roughly two decades and that mortgage rates had risen alongside them. Cohn, a Regional Vice President at William Raveis Mortgage in New York, said some banks were raising rates preemptively as market conditions changed. She compared the risk of lender pullbacks with 2022, when rates rose quickly and some lenders left the market.
In the report, Cohn described a lending environment sensitive to bond-yield moves and market uncertainty. “I think that’s the 800-pound gorilla,” she said. “What damage is there going to be to the lending industry?” Cohn has 44 years of industry experience, according to the report.
What the October 5 market figures do—and do not—show
The report said that on the Monday it discussed, the 10-year Treasury note traded about 2 basis points higher at 5.298%, the 30-year Treasury bond rose 3 basis points to 5.659%, and the 2-year yield fell close to 1 basis point to 4.818%. It also attributed to the Mortgage Bankers Association the observation that 30-year mortgage rates had increased more than 30 basis points over recent weeks as longer-term yields absorbed inflation pressures. These are dated figures as reported by Mortgage Professional on October 5, 2026, not current rate quotes or a forecast of where rates will go.
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Those market moves help explain the pressure Cohn described, but they do not establish that lenders are exiting now. The report gives no count of current exits, probability estimate, or named statistical study supporting the forecast. Its claim is a warning about what could happen if financial pressure persists.
What fewer lenders could mean for borrowers
If lenders withdraw, borrowers may have fewer places to seek financing and fewer loan products to fit their circumstances. Less competition could also leave willing lenders with more room to charge higher prices. Cohn put the concern this way: “When you find yourself in a marketplace where lenders don’t want to lend, and if they are willing to lend, they’ll do it at an even higher price.” The report describes a possible market-wide effect, not a guaranteed result for every applicant.
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A quieter phone is not proof of a broader slowdown: Cohn mentioned that her phone had been unusually quiet that day, but the report offers no industry-wide inquiry data. Brian Mozley, Chief Growth Officer at Choice Mortgage Group, separately emphasized managing uncertainty through technology, people, and communication; that observation concerns the lending process, not evidence that lender exits have occurred.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to compare mortgage offers if the market is changing
When shopping, compare offers on equal terms rather than relying only on the advertised rate. Request loan estimates using the same loan amount, term, down payment, points, and borrower information, then compare fees, the rate-lock period, whether the loan is available for your situation, and the conditions for closing. A lower quoted rate may not be the less expensive or more workable offer once costs and conditions are included.
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Because the report does not name lenders or provide live offers, it cannot rank providers or show how much any borrower could save. Ask each lender to confirm that its offer is available for your profile and timeline, and review the written estimate before treating a quote as comparable.
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- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, and long-life battery
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