It's Thursday and thus time, once again, for the weekly mortgage rate survey from Freddie Mac. Over time and in the bigger picture, Freddie's survey is an accurate way to track broad trends in rates. But because it primarily captures market movement that occurs in the first 2 days of any given week, and because that movement isn't reported until Thursday, the numbers can lag up-the-minute reality. For those interested in up-to-the-minute reality, there's good news about mortgage rates today. Freddie's survey shows a decline of 0.12%. That's an uncommonly big week-over-week drop. Accordingly, many major news outlets are reporting the 0.12% drop. The good news is that rates improved so much today (a day not counted in Freddie's numbers) that, if nothing changed by next week, Freddie's survey

January 5, 2017 Download our Mobile App: Download our Mobile App: Mortgage Rate Watch Rates Moved Even Lower Today Than You May Have Heard It's Thursday and thus time, once again, for the weekly mortgage rate survey from Freddie Mac. Over time and in the bigger picture, Freddie's survey is an accurate way to track broad trends in rates. But because it primarily captures market movement ... (read more) Housing News Mortgage Credit Eases for 4th Straight Month Access to credit continued to inch up last month according to the Mortgage Bankers Association's (MBA's) Mortgage Credit Availability Index (MCAI). The index rose 0.6 percent to 175.2 in December. An increase in the index indicates that lending stand... (read more) Rob Chrisman Training/Webinars; Bank Mergers Continue - How Many Banks Were There in 1921? This morning we’ve had the Challenger layoff data and the usual Thursday’s weekly Initial Jobless Claims (and its 4-week moving average). Things aren’t great out there. Aside from the Arch MI layoffs this week, after seeing sales dr... (read more) MBS Commentary MBS Live Day Ahead: Waiting to See if ISM Data Can Move Markets Ahead of NFP Tomorrow NOTE: This paragraph will be at the top of the Day Ahead for a few weeks.  Once you've read it, feel free to skip it.  The Day Ahead has long been my venue to offer deep thoughts with a mix of big-picture and near-term technical considerati... (read more) Mortgage Rate Watch Mortgage Rates Steady to Slightly Higher Mortgage rates were slightly higher today, on average, but some lenders were unchanged from yesterday. Others were quoting higher rates in the morning and then issued positive reprices in the afternoon (i.e. mid-day improvements), bringing them back ... (read more) MBS Commentary MBS Live Recap: Modest Volatility and Back to Unchanged After Fed Minutes Bonds focused on technicals, range-trading, corporate supply, and the FOMC Minutes today.  It all added up to almost no net change across the board, so I hesitate to read too much into any single development.   The tone was definitely we... (read more) Mortgage Rates 30 Yr. Fixed Rate 6.75% +0.02% Rate Change Points Mortgage News Daily 30 Yr. Fixed 6.75% +0.02 0.00 15 Yr. Fixed 5.98% +0.01 0.00 30 Yr. FHA 6.27% +0.02 0.00 30 Yr. Jumbo 6.85% +0.01 0.00 7/6 SOFR ARM 6.32% -0.01 0.00 30 Yr. VA 6.29% +0.03 0.00 Updates Daily - Last Update: 7/3 15 Yr. Fixed Rate 5.98% +0.01% Rate Change Points Freddie Mac 30 Yr. Fixed 6.67% -0.10 0.00 15 Yr. Fixed 5.80% -0.09 0.00 Updates Weekly - Last Update: 7/3 Rate Change Points Mortgage Bankers Assoc. 30 Yr. Fixed 6.79% -0.09 0.62 15 Yr. Fixed 6.06% -0.05 0.67 30 Yr. Jumbo 6.78% -0.10 0.40 Updates Weekly - Last Update: 6/26 MBS / Treasuries UMBS 30YR 5.5 99.64 -0.20 Price / Yield Change MBS UMBS 5.5 99.64 -0.20 UMBS 6.0 101.43 -0.13 GNMA 5.5 99.86 -0.11 GNMA 6.0 101.34 -0.06 Pricing as of: 7/6 7:11PM EST 10 Year US Treasury 4.3467 +0.0669 Price / Yield Change US Treasury 2 YR Treasury 3.883 +0.095 5 YR Treasury 3.937 +0.070 7 YR Treasury 4.125 +0.068 10 YR Treasury 4.347 +0.067 30 YR Treasury 4.863 +0.055 Pricing as of: 7/6 7:11PM EST Latest Video Fed's Williams: Three rate hikes sound reasonable ADP December payrolls up 153K December job cuts up 25%: Challenger Around the Web CFPB Monitor CFPB releases report on student loan debt owed by older consumers Bloomberg Fed's Williams Sees Three-Hike 2017 Outlook as 'Very Reasonable' - Bloomberg Calculated Risk Blog December Employment Preview Calculated Risk Blog Reis: Apartment Vacancy Rate declined in Q4 to 4.1% Market Watch If Fed had followed Taylor rule, it would have caused substantial job loss, Kashkari says OCC OCC Report Discusses Risks Facing National Banks and Federal Savings Associations Bloomberg FOMC Minutes Fill in Fed Statement Blanks: Porcelli - Bloomberg Reuters U.S. crude stocks fall sharply, products surge freddiemac.mwnewsroom.com Mortgage Rates Start the Year Lower CNBC ISM non-manufacturing index hits 57.2 vs estimate of 56.6 CNBC Op-Ed: The Fed is using the wrong model NAHB Eye on Housing Age of Housing Stock by State CNBC Do you think you know your real credit score? Well, think again.

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