The average top tier 30yr fixed mortgage rate was technically 0.01% higher than yesterday, but that's the smallest possible detected move.  It's just as fair to say rates held steady today. While it's always nice to avoid a more serious rate spike on any given day, by holding flat, rates are remaining in line with their highest levels in just over 3 weeks.  The bonds that underlie mortgage rates improved slightly throughout the day, but not enough for most mortgage lenders to go to the trouble of adjusting their published rates. The implication is that rates have a bit of an advantage heading into tomorrow. Specifically, if bonds were to hold perfectly steady between now and the time that lenders publish their initial rates, the average lender would likely be slightly lower. How likely is it that bonds hold steady? There's never any way to know for sure. What we do know is that an important economic report will be released right around the time that most lenders are setting rates. As such, the outcome of that report stands a good chance of setting the tone.  The report in question is the ISM Services index and it will be released at 10am ET.

November 4, 2025 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.33% -0.01%   6.13% 7.26% 15 Yr. Fixed 5.80% -0.02%   5.6% 6.59% 30 Yr. Jumbo 6.35% +0.03%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Nov 4, 2025 Mortgage Rates Hold Steady Near Recent Highs Tue, Nov 4, 2025 4:33PM The average top tier 30yr fixed mortgage rate was technically 0.01% higher than yesterday, but that's the smallest possible detected move.  It's just as fair to say rates held steady today. While it's always nice to avoid a more serious rate spike on any given day, by holding flat, rates are remaining in line with their highest levels in just over 3 weeks.  The bonds that underlie mortgage rates improved slightly throughout the day, but not enough for most mortgage lenders to go to the trouble of adjusting their published rates. The implication is that rates have a bit of an advant... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.33% -0.01 0.00 15 Yr. Fixed 5.80% -0.02 0.00 30 Yr. FHA 6.05% -0.01 0.00 30 Yr. Jumbo 6.35% +0.03 0.00 7/6 SOFR ARM 5.95% -0.03 0.00 30 Yr. VA 6.06% -0.02 0.00 Updates Daily - Last Update: 11/4 Freddie Mac Rate Change Points 30 Yr. Fixed 6.17% -0.02 0.00 15 Yr. Fixed 5.41% -0.03 0.00 Updates Weekly - Last Update: 10/30 Mortgage Bankers Assoc. 30 Yr. Fixed 6.30% -0.07 0.58 15 Yr. Fixed 5.67% -0.07 0.61 30 Yr. Jumbo 6.38% -0.01 0.34 Updates Weekly - Last Update: 10/29 UMBS 30YR 5.0 99.67 +0.09   95.05 100.11 UMBS 30YR 5.5 101.11 +0.04   97.47 101.40 10 YR Treasury 4.076 -0.009   3.932 4.780 Heavy Selling in Stocks Providing Small Boost For Bonds Tue, Nov 4, 2025 9:53AM It doesn't always work like this, but today's overnight session saw the classic "conventional wisdom" trade with stocks prices and bond yields falling in concert. Believe it or not, this is the exception these days. In fact, since late May, stocks and bonds have generally been rallying together. Contrast that to the conventional wisdom trade in which on... (read more) MBS Price Change UMBS 4.5 97.64 +0.07 UMBS 5.0 99.67 +0.09 UMBS 5.5 101.11 +0.04 GNMA 4.5 97.69 +0.05 GNMA 5.0 99.79 -0.02 GNMA 5.5 100.86 0.00 Pricing as of: 11/5 2:38AM EST US Treasury Yield Change 2 YR Treasury 3.564 -0.014 5 YR Treasury 3.684 -0.015 7 YR Treasury 3.866 -0.010 10 YR Treasury 4.076 -0.009 30 YR Treasury 4.660 -0.006 Pricing as of: 11/5 2:38AM EST Other News Correspondent and Wholesale News; CUs and Realtors, Borrower Engagement Tools; Regulatory Readiness Tue, Nov 4, 2025 11:44AM “Being a parent is like being a psychic who is always right but is always ignored.” Here in Austin, TX, whether it was the Texas Women Mortgage Bankers’ Fall Social with Faith Schwartz and Alanna McCargo last night or the TMBA’s Housing Summit speakers today, no one is ignoring anything. No lender can ignore the shutdown, and anyone who believes that residen... (read more) Latest Video Treasury Sec. Scott Bessent on tariffs: Other authorities can be used depen... Fed dissenters & December doubts: Here's what to know ISM manufacturing PMI comes in light at 48.7 October Chicago PMI comes in better than expected at 43.8 Around the Web Calculated Risk Blog House Prices to Income CNBC Job openings in October slumped to the lowest level since early February, Indeed measure shows CNBC 10-year Treasury yield falls as investors weigh the state of the U.S. economy CNBC Palantir stock drops 7% on valuation concerns as CEO Karp rips short-seller 'market manipulation' CNBC Fed Governor Lisa Cook, in first policy speech since Trump suit, says she's undecided on Dec. rate cut CNBC Commercial real estate deals are slowing, but these two beleaguered sectors are shining Eye on Housing The International Builders Show: The Leading Economic Forecast Event of the Year Calculated Risk Blog Housing November 3rd Weekly Update: Inventory Down 1.3% Week-over-week PR Newswire Manufacturing PMI® at 48.7%; October 2025 ISM® Manufacturing PMI® Report CNBC Treasury yields tick lower as government shutdown enters fourth week Calculated Risk Blog Asking Rents Mostly Unchanged Year-over-year Calculated Risk Blog Fed October SLOOS Survey: Banks reported Stronger Demand for Some Loan Categories Investing.com US October final S&P Global manufacturing PMI 52.5 vs 52.2 prelim

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