It's not at all uncommon for mortgage rates to experience microscopic movement in either direction on any given day. In fact, it's probably the most common eventuality over time. In that sense, today was unremarkable with the average lender moving just a hair lower versus yesterday's latest levels. But in another sense, it's very good news. After yesterday's market reaction to the Fed press conference, there was a risk that bonds (which dictate rates) would continue their protest. The absence of additional drama suggests the reaction was "one and done."  This morning's economic data had a small chance to cause a reaction in rates, but it turned out to be uneventful and possibly even helpful.  [thirtyyearmortgagerates]

July 30, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.77% -0.01%   5.99% 6.85% 15 Yr. Fixed 6.31% -0.01%   5.55% 6.34% 30 Yr. Jumbo 6.90% +0.00%   6.1% 6.92% Compare Mortgage Rates from Local Lenders for Jul 30, 2026 Mortgage Rates Sideways to Slightly Lower Thu, Jul 30, 2026 2:52PM It's not at all uncommon for mortgage rates to experience microscopic movement in either direction on any given day. In fact, it's probably the most common eventuality over time. In that sense, today was unremarkable with the average lender moving just a hair lower versus yesterday's latest levels. But in another sense, it's very good news. After yesterday's market reaction to the Fed press conference, there was a risk that bonds (which dictate rates) would continue their protest. The absence of additional drama suggests the reaction was "one and done."  This morning's economic data had... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.77% -0.01 0.00 15 Yr. Fixed 6.31% -0.01 0.00 30 Yr. FHA 6.33% -0.01 0.00 30 Yr. Jumbo 6.90% 0.00 0.00 7/6 SOFR ARM 6.33% -0.01 0.00 30 Yr. VA 6.34% -0.02 0.00 Updates Daily - Last Update: 7/30 Freddie Mac Rate Change Points 30 Yr. Fixed 6.66% +0.08 0.00 15 Yr. Fixed 6.04% +0.08 0.00 Updates Weekly - Last Update: 7/30 Mortgage Bankers Assoc. 30 Yr. Fixed 6.69% +0.04 0.62 15 Yr. Fixed 6.04% -0.01 0.87 30 Yr. Jumbo 6.44% -0.18 0.45 Updates Weekly - Last Update: 7/22 UMBS 30YR 5.5 99.30 +0.04   98.97 101.64 UMBS 30YR 6.0 101.34 +0.04   101.05 102.75 10 YR Treasury 4.673 -0.007   3.948 4.708 Sideways Start is a Victory Thu, Jul 30, 2026 9:40AM This morning could have been much worse. The bond market could have continued spiraling on fear that it is now responsible for conducting monetary policy--something that sounds weird when you first read it, but is actually central to the discussion based on Warsh's comments in yesterday's press conference. In short, bonds tightened policy yesterday and ackno... (read more) MBS Price Change UMBS 5.0 96.89 +0.03 UMBS 5.5 99.30 +0.04 UMBS 6.0 101.34 +0.04 GNMA 5.0 97.25 -0.07 GNMA 5.5 99.75 +0.11 GNMA 6.0 101.80 +0.09 Pricing as of: 7/30 6:40PM EST US Treasury Yield Change 2 YR Treasury 4.250 -0.023 5 YR Treasury 4.392 -0.011 7 YR Treasury 4.531 -0.011 10 YR Treasury 4.673 -0.007 30 YR Treasury 5.212 +0.010 Pricing as of: 7/30 6:40PM EST Other News UAD 3.6, Reverse, AI, Co-Issue Products; Freddie Clocks in at $3.8 Billion; Morgan Stanley Did What in Mortgages? Thu, Jul 30, 2026 11:56AM I was recently doing some bike riding in the Napa Valley and spent some time speaking with a wine maker. She told me that because of the increase in temperatures, growers are buying land to the south and planting vineyards there, nearer the San Francisco Bay where it is cooler. Their livelihood is at stake “up Valley.” In addition, this year’s harvest is a f... (read more) Latest Video Fed will have to start raising rates soon, says former Philadelphia Fed Pre... U.S. economy slowed to 1.5% growth rate in Q2; June core inflation at 3.3% You don't want a central bank that creates or suppresses volatility, says P... Fed Chairman Kevin Warsh: Trying to understand the underlying general trend... Around the Web Reuters US weekly jobless claims increase less than expected Investing Live Atlanta Fed GDPNow initial estimate for Q3 is set at 5.0%. Wall Street Journal Morgan Stanley Bankers Were Pressured to Approve Mortgages for Wealthy Clients Marketwatch GDP shows the economy grew 1.5% in the second quarter - but it's even better than it looks Eye on Housing Top Ten Builder Share Across Largest Housing Markets Investing Live Fed keeps rates unchanged at 3.75%. Investing Live Dallas Fed Trimmed Mean +1.4% vs +2.7% in May Marketwatch The big focus now is on the potential for a September rate hike after the Fed stands pat CNBC U.S. economy slowed to 1.5% growth rate in Q2; June core inflation at 3.3% MBA Mortgage Applications Decrease in Latest MBA Weekly Survey CNBC Treasury sell-off continues after divided Fed holds interest rates steady Investing Live US June PCE inflation 3.7% vs 3.7%% expected. Core 3.3% vs 3.3% expected CBS News U.S. thwarts Iranian missile attack on U.S. troops, strikes Iranian proxies in Iraq with Saudi forces

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