Mortgage rates were perfectly unchanged compared to yesterday's levels for the average lender. This wasn't a huge surprise considering the absence of any high stakes economic data, but tomorrow could be a different story. Rates are driven by bonds and the economy is one of the primary sources of motivation for the bond market. In general, the two reports that get more of the bond market's attention than any others are the jobs report and the Consumer Price Index (CPI).  The jobs report obviously pertains to the labor market. This is the report that came out yesterday and although it didn't cause a big move in rates, bond volume was nonetheless at its highest levels since the last jobs report on November 20th.  CPI pertains to inflation. Recent Fed speeches have expressed slightly more concern over inflation's impact on the rate outlook.  Longer term rates (like mortgages) also take cues from inflation. If CPI is higher than expected, it tends to put upward pressure on rates and vice versa. This will be the first CPI report since the government shutdown (the last report came out on 10/24/25) which makes it all the more likely that rates will react to any major departure from expectations.

December 17, 2025 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.27% +0.00%   6.13% 7.26% 15 Yr. Fixed 5.76% +0.01%   5.6% 6.59% 30 Yr. Jumbo 6.42% +0.01%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Dec 17, 2025 Mortgage Rates Unchanged Ahead of Important Inflation Data Wed, Dec 17, 2025 3:51PM Mortgage rates were perfectly unchanged compared to yesterday's levels for the average lender. This wasn't a huge surprise considering the absence of any high stakes economic data, but tomorrow could be a different story. Rates are driven by bonds and the economy is one of the primary sources of motivation for the bond market. In general, the two reports that get more of the bond market's attention than any others are the jobs report and the Consumer Price Index (CPI).  The jobs report obviously pertains to the labor market. This is the report that came out yesterday and although it did... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.27% 0.00 0.00 15 Yr. Fixed 5.76% +0.01 0.00 30 Yr. FHA 5.87% -0.01 0.00 30 Yr. Jumbo 6.42% +0.01 0.00 7/6 SOFR ARM 5.90% -0.09 0.00 30 Yr. VA 5.89% -0.01 0.00 Updates Daily - Last Update: 12/17 Freddie Mac Rate Change Points 30 Yr. Fixed 6.22% +0.03 0.00 15 Yr. Fixed 5.54% +0.10 0.00 Updates Weekly - Last Update: 12/11 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 99.58 +0.07   95.05 100.11 UMBS 30YR 5.5 101.24 +0.06   97.47 101.40 10 YR Treasury 4.142 -0.017   3.932 4.780 Quiet Calendar Ahead of Thursday's CPI Wed, Dec 17, 2025 10:35AM Wednesday is largely a placeholder as 2025's relevant trading days evaporate. Apart from the year-end influences on the 29th-31st, Thursday's CPI arguably represents the last opportunity to trade big ticket econ data until the early January jobs report. CPI has stepped in to fill the shoes that yesterday's jobs report was apparently unable to fill. Specifica... (read more) MBS Price Change UMBS 4.5 97.45 +0.10 UMBS 5.0 99.58 +0.07 UMBS 5.5 101.24 +0.05 GNMA 4.5 97.30 +0.08 GNMA 5.0 99.59 +0.07 GNMA 5.5 100.92 +0.02 Pricing as of: 12/18 2:01AM EST US Treasury Yield Change 2 YR Treasury 3.467 -0.017 5 YR Treasury 3.684 -0.016 7 YR Treasury 3.896 -0.016 10 YR Treasury 4.144 -0.015 30 YR Treasury 4.824 -0.011 Pricing as of: 12/18 2:01AM EST Other News AI Automation, U/W, CRM, Agency CEO Pay Cap; UAD 3.6 Update; Economic Jitters Wed, Dec 17, 2025 11:47AM Lender and Broker Services, Products, and Software Warehouse lending got a major upgrade in 2025. OptiFunder has transformed the industry with the first fully connected warehouse ecosystem that brings originators and warehouse lenders together. Its WMS and Greyhound platforms automate everything, from funding requests to paydowns, so no more delays or endl... (read more) Latest Video Labor market is telling us we should continue cutting rates, says Fed Gover... November jobs report doesn't change much for the Fed, says Fed's Dennis Loc... S&P global U.S. services PMI comes in at 52.9 vs. 54.0 estimated September business inventories: +0.2% vs. +0.1% estimate Around the Web Realtor.com Homebuilder Lennar Cuts Prices by 10% as CEO Admits Buyers Face an Affordability Crisis Calculated Risk Blog 3rd Look at Local Housing Markets in November CNBC Mortgage rates move higher after the Fed rate cut, causing loan demand to drop CNBC Fed chair candidate Waller says he will 'absolutely' emphasize importance of the central bank's independence to Trump Calculated Risk Blog Part 2: Current State of the Housing Market; Overview for mid-December 2025 CNBC Fed chief candidate Hassett says central bank's independence is 'really important,' would move rates by consensus CNBC Watch Fed Governor Christopher Waller speak on interest rates and the race to succeed Powell CNBC Treasury yields nudge higher as investors look ahead to inflation data MBA November New Home Purchase Mortgage Applications Increased 3.1% Calculated Risk Blog Comments on November Employment Report Breaking The News US retail sales unchanged in October Calculated Risk Blog AIA: "Architecture firm billings remain stagnant" in November FXStreet US S&P Global Manufacturing PMI declines to 51.8, Services PMI falls to 52.9 in December

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