30YR Fixed Rate
6.22%
-0.01%
15YR Fixed Rate
5.80%
-0.01%
UMBS 30YR 5.0
99.90
+0.12
10 Year Treasury
3.979
-0.031
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Mortgage rates ended last week at the lowest levels in just over a month. It was the 3rd best day in over a year and the 24th best day in over 3 years. The other 23 days weren't too much lower either. The only difference today is a microscopic improvement that makes it the 2nd best day in over a year. In other words, we're hanging out near 3 year lows with minimal volatility. In order to see sharper, more sustained momentum, we'd likely need the government shutdown to end. That would allow the most consequential economic reports (like the jobs report) to be released. It would also allow data collection to resume for future jobs reports. Between now and then, there is other data to guide the rate market, but it's just not as heavy hitting. This week is particularly light in that regard, but there's one exception. The BLS received an exception to compile September's CPI inflation data, to be released this Friday. It's not quite on par with the jobs report, but it can certainly get rates moving (for better or worse, depending on the details).
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October 20, 2025
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30 Yr. Fixed
6.22% -0.01%  
6.13%
7.26%
15 Yr. Fixed
5.80% -0.01%  
5.6%
6.59%
30 Yr. Jumbo
6.18% -0.02%  
6.14%
7.45%
Compare Mortgage Rates from Local Lenders for Oct 20, 2025
Another Boring Day With Mortgage Rates Near 3-Year Lows
Mon, Oct 20, 2025 3:23PM
Mortgage rates ended last week at the lowest levels in just over a month. It was the 3rd best day in over a year and the 24th best day in over 3 years. The other 23 days weren't too much lower either. The only difference today is a microscopic improvement that makes it the 2nd best day in over a year. In other words, we're hanging out near 3 year lows with minimal volatility. In order to see sharper, more sustained momentum, we'd likely need the government shutdown to end. That would allow the most consequential economic reports (like the jobs report) to be released. It would also allow data ... (read more)
Mortgage News Daily Rate Change Points
30 Yr. Fixed 6.22% -0.01 0.00
15 Yr. Fixed 5.80% -0.01 0.00
30 Yr. FHA 5.98% -0.01 0.00
30 Yr. Jumbo 6.18% -0.02 0.00
7/6 SOFR ARM 5.70% 0.00 0.00
30 Yr. VA 6.00% -0.01 0.00
Updates Daily - Last Update: 10/20
Freddie Mac Rate Change Points
30 Yr. Fixed 6.27% -0.03 0.00
15 Yr. Fixed 5.52% -0.01 0.00
Updates Weekly - Last Update: 10/16
Mortgage Bankers Assoc.
30 Yr. Fixed 6.42% -0.01 0.61
15 Yr. Fixed 5.77% 0.00 0.70
30 Yr. Jumbo 6.47% -0.13 0.53
Updates Weekly - Last Update: 10/15
UMBS 30YR 5.0
99.90 +0.12  
95.05
99.98
UMBS 30YR 5.5
101.22 +0.07  
97.47
101.28
10 YR Treasury
3.979 -0.031  
3.932
4.780
Better Buying at 8:20am Open; No Data
Mon, Oct 20, 2025 11:16AM
New week. Same grind. We're waiting (likely for a good while longer) for the government shutdown to end before the most relevant econ data can truly exert influence on the bond market in the big picture. On the plus side, the trading in the interim has erred on the bullish side thanks to the available non-gov data and anxiety over trade tensions. So far this... (read more)
MBS Price Change
UMBS 4.5 98.06 +0.15
UMBS 5.0 99.90 +0.12
UMBS 5.5 101.22 +0.07
GNMA 4.5 98.03 +0.14
GNMA 5.0 99.81 +0.03
GNMA 5.5 100.94 +0.04
Pricing as of: 10/20 7:17PM EST
US Treasury Yield Change
2 YR Treasury 3.457 -0.005
5 YR Treasury 3.571 -0.021
7 YR Treasury 3.757 -0.024
10 YR Treasury 3.979 -0.031
30 YR Treasury 4.570 -0.037
Pricing as of: 10/20 7:17PM EST
Other News
Bank Statement, DSCR, LOS, CE, Compliance Tools; Conference Chatter About Credit and Agency News
Mon, Oct 20, 2025 11:50AM
“Why did the Dalai Lama go to Las Vegas? Because he loves Tibet.” Here at the “MBA Annual,” the puns may not be flying, but there is news bouncing off the walls, some of it learned just by chatting in the hallways. (And there is plenty of time spent walking through the convention center… I need a Segway!) The Mortgage Bankers Association (MBA) announced that... (read more)
Latest Video
Former Dallas Fed President: The bar for further cuts after October is high...
A proxy for jobless claims data: Here's what to know
WaFd CEO: Market is overreacting and regional banks are strong
National Retail Federation CEO: Consumer continues to be resilient heading ...
Around the Web
Eye on Housing
Non-Conventional Financing for New Home Sales Loses Ground in 2024
CNBC
U.S. and Australia sign critical minerals agreement with $8.5 billion project pipeline
CNBC
Treasury yields inch higher as investors weigh the state of the U.S. economy
Calculated Risk Blog
Housing October 20th Weekly Update: Inventory Up 0.3% Week-over-week
Realtor.com
New-Home Construction Is Barreling Toward a Standstill if Government Shutdown Continues
CNBC
What student loan borrowers can and can't do, as the government shutdown stretches on
CNBC
Fed Governor Miran wants a half-point cut this month, while Waller backs another quarter-point move
CNBC
Regional banks and Jefferies shares tank as concerns grow on Wall Street about sour loans
CNBC
Tariff costs to companies this year to hit $1.2 trillion, with consumers taking most of the hit, S&P says
American Bankers Assoc.
National Survey: U.S. Consumers Rank Banks Above OtherIndustries for Fraud Protection, Support Consistent Rules for DataSharing
CNBC
Treasury yields inch lower as U.S. government shutdown enters 17th day
Eye on Housing
Better Growth, Larger Deficits: CBO Fiscal Outlook
CNBC
Treasury yields tick lower as investors hunt for clues on Fed policy path
© 2025  Mortgage News Daily, LLC. | 19701 Bethel Church Rd. | Cornelius, NC 28031
Interest rates displayed are national averages and for informational purposes only. Actual rates from lenders may vary based on several factors including, but not limited to, credit worthiness, ability to replay, credit score, down payment, loan term, etc.
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Today's Mortgage Rates  |  Mortgage Calculators
10/20/2025
30 Yr. Fixed Rate
6.22%
-0.01%
0.00
MBS & Treasury Prices
UMBS 30YR 5.0
99.90
+0.12
10 Year US Treasury
102.218
+0.254
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