Wednesday had the potential to cause bigger volatility for rates due to the confluence of several important economic reports. If that data had been lopsided in one direction or the other, rates likely would have moved more. As it happened, the data was mixed. The net effect was an exceedingly modest drop in the average 30yr fixed rate. Despite the tiny move, this brings MND's 30yr fixed rate index back in line with the 2-month lows seen on several recent occasions. Bottom line: today ended up being uneventful in an inoffensive way.  From here, Friday's jobs report represents the same sort of potential for a volatile reaction.

January 7, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.19% -0.01%   6.13% 7.26% 15 Yr. Fixed 5.73% -0.01%   5.6% 6.59% 30 Yr. Jumbo 6.35% +0.00%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Jan 7, 2026 Another 2-Month Low For Mortgage Rates After Modest Drop Wed, Jan 7, 2026 4:09PM Wednesday had the potential to cause bigger volatility for rates due to the confluence of several important economic reports. If that data had been lopsided in one direction or the other, rates likely would have moved more. As it happened, the data was mixed. The net effect was an exceedingly modest drop in the average 30yr fixed rate. Despite the tiny move, this brings MND's 30yr fixed rate index back in line with the 2-month lows seen on several recent occasions. Bottom line: today ended up being uneventful in an inoffensive way.  From here, Friday's jobs report represents the same so... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.19% -0.01 0.00 15 Yr. Fixed 5.73% -0.01 0.00 30 Yr. FHA 5.80% -0.05 0.00 30 Yr. Jumbo 6.35% 0.00 0.00 7/6 SOFR ARM 5.70% -0.04 0.00 30 Yr. VA 5.82% -0.04 0.00 Updates Daily - Last Update: 1/7 Freddie Mac Rate Change Points 30 Yr. Fixed 6.15% -0.03 0.00 15 Yr. Fixed 5.44% -0.06 0.00 Updates Weekly - Last Update: 12/31 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 99.93 +0.09   95.05 100.11 UMBS 30YR 5.5 101.55 +0.05   97.47 101.55 10 YR Treasury 4.134 -0.021   3.932 4.780 Stronger Start Thanks to Europe and ADP Wed, Jan 7, 2026 8:45AM Bonds rallied steadily overnight with more of the gains aligning with a data-driven bond rally in Europe. The overnight move brought 10yr yields roughly 2bps lower from yesterday's close.  Another 2bps of improvement followed this morning's ADP employment data. ADP's job count wasn't particularly far below forecasts (41k vs 47k), but the previous month ... (read more) MBS Price Change UMBS 4.5 97.77 +0.09 UMBS 5.0 99.93 +0.09 UMBS 5.5 101.55 +0.05 GNMA 4.5 97.64 +0.08 GNMA 5.0 99.93 +0.05 GNMA 5.5 101.16 +0.05 Pricing as of: 1/8 2:10AM EST US Treasury Yield Change 2 YR Treasury 3.453 -0.019 5 YR Treasury 3.683 -0.021 7 YR Treasury 3.893 -0.019 10 YR Treasury 4.134 -0.021 30 YR Treasury 4.820 -0.013 Pricing as of: 1/8 2:10AM EST Other News Asurity Forum; HELOC, 2nd, Non-QM Product News; Homebuyer Demographics Wed, Jan 7, 2026 11:45AM What are the attributes of a successful loan officer? In my years of listening to LOs compare notes, many mention “mindset” since the job sometimes can be a grind. LOs fully explore possible niches, manage their database, strive toward leadership, and are willing to understand lending regulations and comply. Regarding that last one, tomorrow’s The Big Pictur... (read more) Latest Video Job openings stand at 7.1 million in November Private payrolls rose 41,000 in December, slightly below expectations, ADP ... ISM manufacturing gauge missed forecast for December Watch CNBC's full interview with Minneapolis Fed President Neel Kashkari Around the Web Breaking The News Trump to take action against institutional investors Eye on Housing State-Level Employment Situation: November 2025 CNBC Mortgage demand drops nearly 10% to end 2025, despite lower interest rates CNBC Private payrolls rose 41,000 in December, slightly below expectations, ADP says Calculated Risk Blog Heavy Truck Sales Collapsed in Q4; Down 32.5% Year-over-year in December Calculated Risk Blog Asking Rents Decline Year-over-year PR Newswire Services PMI® at 54.4%; December 2025 ISM® Services PMI® Report Eye on Housing Construction Job Openings Increased in November Calculated Risk Blog ICE: "Annual home price growth ended 2025 at just +0.7%" Calculated Risk Blog Light Vehicle Sales Increased to 16.0 Million SAAR in December Calculated Risk Blog 1st Look at Local Housing Markets in December CNBC Treasury yields inch lower as investors await economic data CNBC Manhattan office leasing in the fourth quarter was the strongest in 6 years

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