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Mortgage lenders rely on the bond market to generate mortgage rates. In addition to being fully closed on Monday for Memorial Day, bonds also close 3 hours earlier than normal on the preceding Friday (i.e. today).
The abbreviated trading session was fairly uneventful for rates despite some back-and-forth volatility in response to diplomacy headlines surrounding Iran/US peace negotiations. The flow of news resulted in better bond market levels early in the day and a pull-back in the late AM hours.
After accounting for some lenders' mid-day rate changes, the average lender ended the day right in line with yesterday's levels which were also incidentally right in line with last Friday's levels.
(view article)
| Rate | Points | Change | |
|---|---|---|---|
|
5/22/26
Mortgage News Daily - daily
|
|||
| 30 Yr. Fixed | 6.65% | -- | +0.00% |
| 15 Yr. Fixed | 6.23% | -- | +0.01% |
| 30 Yr. Jumbo | 6.77% | -- | +0.01% |
| 7/6 SOFR ARM | 6.61% | -- | +0.29% |
| 30 Yr. FHA | 6.18% | -- | -0.01% |
| 30 Yr. VA | 6.20% | -- | -0.01% |
|
5/21/26
Freddie Mac - weekly
|
|||
| 30 Yr. Fixed | 6.51% | 0.00 | +0.15% |
| 15 Yr. Fixed | 5.85% | 0.00 | +0.14% |
|
5/20/26
MBA - weekly
|
|||
| 30 Yr. Fixed | 6.56% | 0.60 | +0.10% |
| 15 Yr. Fixed | 5.93% | 0.73 | +0.10% |
| 30 Yr. FHA | 6.24% | 0.67 | +0.08% |
| 30 Yr. Jumbo | 6.58% | 0.38 | +0.10% |
| 7/6 SOFR ARM | 5.76% | 0.85 | +0.06% |
| Change | 52 Week Range | |||||||
|---|---|---|---|---|---|---|---|---|
| Rate | Points | Previous | 1 Year | Low | High | |||
|
as of 5/22/26
Mortgage News Daily - updated daily
|
||||||||
| 30 Yr. Fixed | 6.65% | -- | +0.00% | -0.42% | 5.99% |
|
7.07% |
|
| 15 Yr. Fixed | 6.23% | -- | +0.01% | -0.14% | 5.55% |
|
6.37% |
|
| 30 Yr. Jumbo | 6.77% | -- | +0.01% | -0.38% | 6.10% |
|
7.15% |
|
| 7/6 SOFR ARM | 6.61% | -- | +0.29% | +0.19% | 5.29% |
|
6.61% |
|
| 30 Yr. FHA | 6.18% | -- | -0.01% | -0.35% | 5.62% |
|
6.53% |
|
| 30 Yr. VA | 6.20% | -- | -0.01% | -0.34% | 5.64% |
|
6.54% |
|
|
as of 5/21/26
Freddie Mac - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.51% | 0.00 | +0.15% | -0.30% | 5.98% |
|
6.89% |
|
| 15 Yr. Fixed | 5.85% | 0.00 | +0.14% | -0.07% | 5.35% |
|
6.03% |
|
|
as of 5/20/26
Mortgage Bankers Association - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.56% | 0.60 | +0.10% | -0.30% | 6.09% |
|
7.01% |
|
| 15 Yr. Fixed | 5.93% | 0.73 | +0.10% | -0.19% | 5.48% |
|
6.45% |
|
| 30 Yr. FHA | 6.24% | 0.67 | +0.08% | -0.35% | 5.97% |
|
6.80% |
|
| 30 Yr. Jumbo | 6.58% | 0.38 | +0.10% | -0.27% | 6.16% |
|
7.17% |
|
| 7/6 SOFR ARM | 5.76% | 0.85 | +0.06% | -0.33% | 5.23% |
|
6.48% |
|
