Heading into the week, we knew there was a high bar for any legitimate mortgage rate fireworks. In addition to a dearth of scheduled events with the power to cause volatility, the last two weeks of the year don't tend to see big changes in the bond market.  There are exceptions, but 2025 wasn't one of them. In fact, bond yields and mortgage rates have been locked in a narrow, sideways range since September as the market waits for the most important economic reports to hit their stride again after being hobbled by the government shutdown. Yes, the big-ticket reports were already released on December, but the market expects them to be gradually more representative in the coming months. Next week brings several of these reports including Friday's jobs report--arguably the most important on any given month. With this data, we should see the return of more directional volatility in the rate market. The direction will depend on whether the data is stronger or weaker than expected. [thirtyyearmortgagerates]

January 2, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.20% +0.00%   6.13% 7.26% 15 Yr. Fixed 5.75% -0.01%   5.6% 6.59% 30 Yr. Jumbo 6.37% +0.00%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Jan 2, 2026 Mortgage Rates Stay Flat to End The Week Fri, Jan 2, 2026 3:27PM Heading into the week, we knew there was a high bar for any legitimate mortgage rate fireworks. In addition to a dearth of scheduled events with the power to cause volatility, the last two weeks of the year don't tend to see big changes in the bond market.  There are exceptions, but 2025 wasn't one of them. In fact, bond yields and mortgage rates have been locked in a narrow, sideways range since September as the market waits for the most important economic reports to hit their stride again after being hobbled by the government shutdown. Yes, the big-ticket reports were already released ... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.20% 0.00 0.00 15 Yr. Fixed 5.75% -0.01 0.00 30 Yr. FHA 5.85% 0.00 0.00 30 Yr. Jumbo 6.37% 0.00 0.00 7/6 SOFR ARM 5.74% +0.01 0.00 30 Yr. VA 5.87% 0.00 0.00 Updates Daily - Last Update: 1/2 Freddie Mac Rate Change Points 30 Yr. Fixed 6.15% -0.03 0.00 15 Yr. Fixed 5.44% -0.06 0.00 Updates Weekly - Last Update: 12/31 Mortgage Bankers Assoc. 30 Yr. Fixed 6.33% +0.01 0.60 15 Yr. Fixed 5.71% -0.02 0.64 30 Yr. Jumbo 6.46% +0.06 0.35 Updates Weekly - Last Update: 12/10 UMBS 30YR 5.0 99.65 -0.07   95.05 100.11 UMBS 30YR 5.5 101.38 -0.03   97.47 101.49 10 YR Treasury 4.192 +0.023   3.932 4.780 Monitoring For Misbehavior Fri, Jan 2, 2026 10:47AM Friday is merely a day to be watched in case it misbehaves. The econ calendar is essentially empty (just S&P manufacturing PMI), overnight volatility was minimal, and bonds are fairly close to unchanged in the first few hours. The sort of serious trading that sends bigger picture signals won't arrive until next week. As such, even if today's trading misb... (read more) MBS Price Change UMBS 4.5 97.50 -0.12 UMBS 5.0 99.66 -0.06 UMBS 5.5 101.41 0.00 GNMA 4.5 97.38 -0.06 GNMA 5.0 99.72 +0.00 GNMA 5.5 100.98 +0.02 Pricing as of: 1/2 5:09PM EST US Treasury Yield Change 2 YR Treasury 3.475 +0.000 5 YR Treasury 3.741 +0.014 7 YR Treasury 3.956 +0.017 10 YR Treasury 4.190 +0.021 30 YR Treasury 4.868 +0.024 Pricing as of: 1/2 5:09PM EST Other News Credit Unions and Realtors; HECM, FHA, VA, and USDA Product News; Home Builder Pessimism Fri, Jan 2, 2026 11:40AM Credit Union and Real Estate Agent Relationship A November webinar featuring Telhio Credit Union Loan Officer Allie Hager and Realtor Kelly Hamilton of Realty Forward is still getting attention from credit unions focused on strengthening realtor relationships. Moderated by LenderLogix CEO Patrick O’Brien, the discussion explored how accessibility, communic... (read more) Latest Video Powell hush on remaining term as Fed governor December Manufacturing PMI remains at 51.8 Mohtashami: Stability in rates matters more than cuts for the housing marke... Initial jobless claims fell to 199,000 for the week ending December 27 Around the Web Calculated Risk Blog Inflation Adjusted House Prices 2.7% Below 2022 Peak Calculated Risk Blog Question #1 for 2026: How much will the economy grow in 2026? Will there be a recession in 2026? Eye on Housing Top Posts Lower Mortgage Rates, Better Affordability CNBC 10-year Treasury holds steady on first trading day of 2026 Eye on Housing Top Posts U.S. Population Grows at Highest Rate Since 2001 CNBC Fed minutes show officials were in tight split over December rate cut Eye on Housing Top Posts Cost of Constructing a Home in 2024 Eye on Housing Top Posts States with Highest and Fastest Rising Construction Wages, 2025 AP News Judge blocks White House’s attempt to defund the CFPB, ensuring employees get paid Calculated Risk Blog Weekly Initial Unemployment Claims Decrease to 199,000 CNBC 10-year Treasury yield dips as investors await final economic data of 2025 Eye on Housing Top Posts Residential Remodelers Outnumber Single-family Builders in the U.S. Calculated Risk Blog Freddie Mac House Price Index Up 1.0% Year-over-Year in November

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