Last week ended on a promising note with Friday's rates falling just barely below the previous Friday's levels. This was a relief after the top-tier 30yr fixed rate matched 11-month highs for the average lender earlier in the week. Unfortunately, rates are starting the new week by heading back toward those highs. Our 30yr fixed rate index is up from 6.63% on Friday to 6.71% today. Many lenders raised rates in the middle of the day in response to weakness in the bond market. In general, that weakness is underpinned by renewed fighting in Iran (or more specifically, the effect of that fighting on fuel prices). [thirtyyearmortgagerates]

July 20, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.71% +0.08%   5.99% 6.81% 15 Yr. Fixed 6.18% +0.02%   5.55% 6.25% 30 Yr. Jumbo 6.84% +0.01%   6.1% 6.91% Compare Mortgage Rates from Local Lenders for Jul 20, 2026 Mortgage Rates Bouncing Higher to Start The Week Mon, Jul 20, 2026 3:10PM Last week ended on a promising note with Friday's rates falling just barely below the previous Friday's levels. This was a relief after the top-tier 30yr fixed rate matched 11-month highs for the average lender earlier in the week. Unfortunately, rates are starting the new week by heading back toward those highs. Our 30yr fixed rate index is up from 6.63% on Friday to 6.71% today. Many lenders raised rates in the middle of the day in response to weakness in the bond market. In general, that weakness is underpinned by renewed fighting in Iran (or more specifically, the effect of that fighting... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.71% +0.08 0.00 15 Yr. Fixed 6.18% +0.02 0.00 30 Yr. FHA 6.30% +0.05 0.00 30 Yr. Jumbo 6.84% +0.01 0.00 7/6 SOFR ARM 6.38% +0.08 0.00 30 Yr. VA 6.32% +0.06 0.00 Updates Daily - Last Update: 7/20 Freddie Mac Rate Change Points 30 Yr. Fixed 6.55% +0.06 0.00 15 Yr. Fixed 5.93% +0.11 0.00 Updates Weekly - Last Update: 7/16 Mortgage Bankers Assoc. 30 Yr. Fixed 6.65% +0.07 0.67 15 Yr. Fixed 6.05% +0.06 0.88 30 Yr. Jumbo 6.62% +0.12 0.54 Updates Weekly - Last Update: 7/15 UMBS 30YR 5.5 99.65 -0.21   99.22 101.64 UMBS 30YR 6.0 101.58 -0.14   101.24 102.75 10 YR Treasury 4.593 +0.047   3.948 4.668 No Major Data Leaves Bonds to Trade on Vibes Mon, Jul 20, 2026 10:12AM You've seen the "good vibes only" t-shirt perhaps? Bond traders left theirs at home this morning. That's unfortunate as there isn't much beyond vibes to set the tone this week. Over the weekend, bad vibes came courtesy of another round of escalation in the Iran war. Additionally, the safe-haven buying that helped bonds on Friday has reversed course somewhat ... (read more) MBS Price Change UMBS 5.0 97.38 -0.22 UMBS 5.5 99.65 -0.21 UMBS 6.0 101.58 -0.14 GNMA 5.0 97.80 -0.15 GNMA 5.5 99.98 -0.20 GNMA 6.0 102.01 -0.05 Pricing as of: 7/20 5:51PM EST US Treasury Yield Change 2 YR Treasury 4.207 +0.033 5 YR Treasury 4.320 +0.037 7 YR Treasury 4.450 +0.042 10 YR Treasury 4.593 +0.047 30 YR Treasury 5.113 +0.043 Pricing as of: 7/20 5:51PM EST Other News Verification, Servicing, Next-Gen, Flood Cert Products; AI and Overall Tech Adoption Mon, Jul 20, 2026 11:50AM Dang. I don’t know why I put my entire retirement plan into SpaceX stock… it has lost $1 trillion in book value since its post-IPO high. In 2026 Fannie’s stock price is down 44 percent, and Freddie’s stock price is down 46 percent. Did you sink your 401(k) into either, when doing a “re-IPO” was the talk of the Trump Administration? (Speaking of Fannie, rumor... (read more) Latest Video Pending home sales plunge in June Oil rises on U.S.-Iran tensions July consumer sentiment improves to 54.4, well above expectations May business inventories rise 0.3% Around the Web Investing Live US yields are pushing to new highs and along with it the US dollar Eye on Housing Exterior Material Trends in Single-Family Homes CNBC Iran's Houthi allies in Yemen declare maritime embargo of Saudi Arabia BLS Real average hourly earnings increased 0.1 percent from June 2025 to June 2026 Investing Live US leading index for June -0.2% versus -0.1% estimate CNBC U.S. Treasury yields edge higher as Wall Street monitors Middle East tensions Federal Reserve Cook, Economic Outlook Federal Reserve Jefferson, Navigating Economic Shocks: A MonetaryPolicymakers Perspective BLS Consumer prices up 3.5 percent over the year ended June 2026 CNBC Import prices post surprise gain as costs of goods from China hit highest since 2008 Investing Live US July prelim UMich consumer sentiment 54.4 vs 51.0 expected Eye on Housing Multifamily Gains Lift Overall Starts Despite Single-Family Decline NY Fed US NY Fed GDP Nowcast Q2: 2.80% (prev 2.73%)

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