30YR Fixed Rate
6.75%
+0.02%
15YR Fixed Rate
5.98%
+0.01%
UMBS 30YR 5.5
99.64
-0.20
10 Year Treasury
4.347
+0.067
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First things first: the Fed cut its policy rate today, but that doesn't mean they cut mortgage rates . Why? Because they can't and they don't--especially not by a whopping 0.25% in a day (an amount that may be seen once or twice per decade when it comes to a single day's change in mortgage rates). Case in point, mortgage rates for almost any lender are almost exactly where they were yesterday. All that having been said, the Fed does SAY things that are important to the bond market that underlies rates. That verbiage can always push mortgage rates in either direction regardless of the direction that the Fed moves its own policy rate. In today's case, the Fed's verbiage was a bit friendlier than the market was prepared for. As such, both stocks and bonds improved in the afternoon. The average
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October 31, 2019
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Mortgage Rate Watch
Mortgage Rates Little-Changed, But Could Improve Tomorrow
First things first: the Fed cut its policy rate today, but that doesn't mean they cut mortgage rates . Why? Because they can't and they don't--especially not by a whopping 0.25% in a day (an amount that may be seen once or twice per decade when it co... (read more)
Housing News
Here's Why Housing Agencies' Net Worth is Surging
Both of the government sponsored enterprises (GSEs) posted strong earnings in the third quarter of the year. Freddie Mac announced comprehensive income of $1.8 billion while Fannie Mae's was $4.0 billion. Freddie Mac said its income was essentially u... (read more)
Rob Chrisman
Capital Markets Jobs; Pricing Products; Loan Processing Survey Results
Halloween already! Who wouldn’t want to live in the scary Tombstone, AZ, Sleepy Hollow, NY, Kill Devil Hills, NC, Yellville, AR, Transylvania County, NC, Slaughter Beach, DE, Casper, WY, or Scarville, IA? What is also scary for many is that the... (read more)
MBS Commentary
MBS Live Day Ahead: Why Chicago PMI is More Important Than PCE Inflation
Chicago PMI isn't always more important that PCE inflation.  After all Core PCE is the Fed's favorite big-picture inflation reading (the thing they want to see at 2.0%) and inflation is one of the key motivations for hiking/cutting the Fed's pol... (read more)
Housing News
Millennial Homeownership Inches Higher
The Census Bureau reports that the homeownership rate, while up fractionally in the third quarter of this year compared to Quarter 2, was essentially unchanged from one year earlier. The Bureau's Vacancies and Homeownership Report put the national ra... (read more)
Housing News
Originations Headed for Best Post-Recession Year
Mortgage originations in 2019 appear to be headed for their best year since 2007 . Make Fratantoni, chief economist and senior vice president of the Mortgage Bankers Association (MBA) told an audience at MBA's 2019 annual convention that he expects o... (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: 7/5 3:00PM 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: 7/5 3:00PM EST
Latest Video
Central banks that have negative rates are trapped: Bleakley CIO
Trump: China, US working on finding a new location to sign phase one trade ...
Chicago October PMI comes in below expectations at 43.2 vs 48.5 estimated
The Fed is moving into a wait-and-see phase, says former Atlanta Fed presid...
Around the Web
Calculated Risk Blog
October Employment Preview: Take the Under
Federal Reserve
Agencies announce threshold for smaller loan exemption from appraisal requirements for higher-priced mortgage loans
Bloomberg
The Bond Trade of the Year May Be Back, All Thanks to the Fed - Bloomberg
Calculated Risk Blog
Q3 2019 GDP Details on Residential and Commercial Real Estate
Reuters
Homes destroyed, hundreds more evacuated as Los Angeles wildfires spread
Reuters
Trump blasts Fed after rate cut, says hurting U.S. competitiveness
NAHB Eye on Housing
55+ Housing Market Ticks Back Up to Record High
Calculated Risk Blog
Personal Income increased 0.3% in September, Spending increased 0.2%
Calculated Risk Blog
Weekly Initial Unemployment Claims increased to 218,000
Bloomberg
Fed Cutting Again Would Be Recession Signal: Authers' Newsletter
Bloomberg
Bond Market Signals Doubt Fed Has Shut Door on Further Rate Cuts
Bloomberg
China Doubts Long-Term Trade Deal Possible With Trump
CNBC
Powell says the Fed would need to see a 'really significant' rise in inflation before hiking rates
© 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
7/3/2025
30 Yr. Fixed Rate
6.75%
+0.02%
0.00
MBS & Treasury Prices
UMBS 30YR 5.5
99.64
-0.20
10 Year US Treasury
99.222
-0.537
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