30YR Fixed Rate
6.73%
+0.06%
15YR Fixed Rate
5.97%
+0.06%
UMBS 30YR 5.5
99.91
+0.07
10 Year Treasury
4.259
-0.021
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Mortgage rates had a scare today, as they began the day at their highest levels of the month (depending on the lender) only to fall back in line with yesterday (or better!). The reason for the back-and-forth movement has to do with esoteric behind-the-scenes stuff in the bond market. I should be able to make it tangible enough for you, so let's give it a shot. Bonds are the backbone for all interest rates. The bonds that underlie mortgages tend to move almost exactly like 10yr Treasury yields. Treasuries are a great case study to follow when it comes to rates because they are abundant, more actively traded, and essentially risk-free. That risk-free part is important because it means Treasuries can be used as a benchmark to assess the value of other bonds that aren't guaranteed by the full faith
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July 19, 2018
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Mortgage Rate Watch
Mortgage Rates Back to Flat After Starting Higher
Mortgage rates had a scare today, as they began the day at their highest levels of the month (depending on the lender) only to fall back in line with yesterday (or better!). The reason for the back-and-forth movement has to do with esoteric behind-th... (read more)
Housing News
Libor - Not Exactly an Obituary, But...
A group of financial experts is scheduled to meet at on Thursday to make funeral arrangements for Libor . In case you hadn't heard, the London interbank offered rate, the number that indicates how much one bank needs to borrow from another, is not ex... (read more)
MBS Commentary
MBS Live Recap: Key Technical Ends Up Providing Support
If you are an MBS Live member, today's recap has already been written in this update and in The Huddle.  Non-MBS Live members can get a pretty solid idea from the free mortgage rate article HERE. For those who don't like to click links, suffic... (read more)
Housing News
FHFA Ruled Unconstitutional, but Net Sweep Prevails
Yet another federal court has rebuffed shareholders hoping to recover some value from their investments in the government sponsored enterprises (GSEs) Fannie Mae and Freddie Mac. A three-judge panel for the Fifth Circuit (Texas) Court of Appeals refu... (read more)
Rob Chrisman
LO Training and Conferences; Teams With Different Comp Plans?
“Rob, are you hearing, now that the CFPB is perceived to have lost its teeth, that some lenders are providing their loan officers two different rate sheets?” Unfortunately, yes, I am hearing that, but hopefully it is an untrue rumor. It w... (read more)
MBS Commentary
MBS Live Day Ahead: What Happens If Bonds Break This Ceiling? (Philosophical Discussion on Technicals)
This primer (and this one, and this one) will be useful for digesting the following, if you haven't read it before. For those paying any sort of attention to trading levels in bond markets over the past few weeks, it's hard to miss the super ... (read more)
Mortgage Rates
30 Yr. Fixed Rate
6.73% +0.06%
Rate Change Points
Mortgage News Daily
30 Yr. Fixed 6.73% +0.06 0.00
15 Yr. Fixed 5.97% +0.06 0.00
30 Yr. FHA 6.25% +0.06 0.00
30 Yr. Jumbo 6.84% +0.04 0.00
7/6 SOFR ARM 6.33% +0.04 0.00
30 Yr. VA 6.26% +0.06 0.00
Updates Daily - Last Update: 7/2
15 Yr. Fixed Rate
5.97% +0.06%
Rate Change Points
Freddie Mac
30 Yr. Fixed 6.77% -0.04 0.00
15 Yr. Fixed 5.89% -0.07 0.00
Updates Weekly - Last Update: 6/26
Rate Change Points
Mortgage Bankers Assoc.
30 Yr. Fixed 6.88% +0.04 0.63
15 Yr. Fixed 6.11% -0.03 0.74
30 Yr. Jumbo 6.88% +0.07 0.60
Updates Weekly - Last Update: 6/25
MBS / Treasuries
UMBS 30YR 5.5
99.92 +0.08
Price / Yield Change
MBS
UMBS 5.5 99.91 +0.07
UMBS 6.0 101.62 +0.05
GNMA 5.5 100.05 +0.09
GNMA 6.0 101.46 +0.06
Pricing as of: 7/3 4:53AM EST
10 Year US Treasury
4.2553 -0.0245
Price / Yield Change
US Treasury
2 YR Treasury 3.771 -0.017
5 YR Treasury 3.848 -0.019
7 YR Treasury 4.035 -0.021
10 YR Treasury 4.260 -0.020
30 YR Treasury 4.786 -0.023
Pricing as of: 7/3 4:53AM EST
Latest Video
White House: President respects the independence of the Fed
Don't see Trump's Fed comments as big deal but 'dangerous sign': former Fed...
Trump: I don't necessarily agree with raising rates
Around the Web
consumerfinancemonitor.com
Does the Fifth Circuit's decision finding the FHFA is unconstitutionally structured presage a similar fate for the CFPB?
Calculated Risk Blog
California Bay Area Home Sales Decline 13 Percent YoY in June
CNBC
Fed's banking supervisor backs new interest rate benchmark
Calculated Risk Blog
Earlier: Philly Fed Manufacturing Survey "Continued to expand" in July
NAR - Realtor.com
American Homeowners Still Have a Big Underinsurance Problem
CNBC
Leading indicators up 0.5% in June, vs. expectations for 0.4% gain
NAHB Eye on Housing
Remodeling Confidence Increases Despite Rising Costs
Reuters
U.S. weekly jobless claims drop to more than 48-1/2-year low
Reuters
U.S. trade official downplays effects of new tariffs: CNBC
builderonline.com
AIA: Billings Increase for Ninth Consecutive Month
CNBC
Almost 70% of millennials regret buying their homes. Here's why.
Reuters
Fed walks careful line on trade, but downside risks emerging
miamiherald.com
How dirty is Miami real estate? Secret home deals dried up when feds started watching
© 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
7/2/2025
30 Yr. Fixed Rate
6.73%
+0.06%
0.00
MBS & Treasury Prices
UMBS 30YR 5.5
99.91
+0.07
10 Year US Treasury
99.918
+0.158
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