30YR Fixed Rate
6.28%
-0.01%
15YR Fixed Rate
5.65%
+0.05%
UMBS 30YR 5.5
101.28
+0.16
10 Year Treasury
4.039
-0.047
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Mortgage rates were unchanged to slightly higher today--a claim that utterly boggles the mind of anyone who thought they understood the relationship between bond markets and the mortgage world. ALMOST without fail, a big drop in 10yr Treasury yields will coincide with lower mortgage rates. In fact, many people believe (albeit incorrectly) that mortgage rates are based on the 10yr yield. But today, despite a substantial drop in Treasury yields, mortgage rates are stuck in the mud. Since this could continue to be the case, I'm going to include the following brief statement/reminder until the situation subsides: A note on mortgage rates not improving even when 10yr yields are falling: Mortgages and the bonds that underlie them (MBS) are subject to one major uncertainty that doesn't affect US Treasuries
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August 12, 2019
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30 Yr. Fixed
6.28% -0.01%  
6.11%
7.26%
15 Yr. Fixed
5.65% +0.05%  
5.54%
6.59%
30 Yr. Jumbo
6.25% +0.00%  
6.25%
7.45%
Compare Mortgage Rates from Local Lenders for Aug 12, 2019
Mortgage Rates Miraculously Flat Despite Massively Lower Treasury Yields
Mon, Aug 12, 2019 3:24PM
Mortgage rates were unchanged to slightly higher today--a claim that utterly boggles the mind of anyone who thought they understood the relationship between bond markets and the mortgage world. ALMOST without fail, a big drop in 10yr Treasury yields will coincide with lower mortgage rates. In fact, many people believe (albeit incorrectly) that mortgage rates are based on the 10yr yield. But today, despite a substantial drop in Treasury yields, mortgage rates are stuck in the mud. Since this could continue to be the case, I'm going to include the following brief statement/reminder until the sit... (read more)
Mortgage News Daily Rate Change Points
30 Yr. Fixed 6.28% -0.01 0.00
15 Yr. Fixed 5.65% +0.05 0.00
30 Yr. FHA 5.94% -0.01 0.00
30 Yr. Jumbo 6.25% 0.00 0.00
7/6 SOFR ARM 5.62% +0.03 0.00
30 Yr. VA 5.95% -0.02 0.00
Updates Daily - Last Update: 9/8
Freddie Mac Rate Change Points
30 Yr. Fixed 6.50% -0.06 0.00
15 Yr. Fixed 5.60% -0.09 0.00
Updates Weekly - Last Update: 9/4
Mortgage Bankers Assoc.
30 Yr. Fixed 6.64% -0.05 0.59
15 Yr. Fixed 5.84% -0.19 0.84
30 Yr. Jumbo 6.58% -0.09 0.39
Updates Weekly - Last Update: 9/3
UMBS 30YR 5.5
101.28 +0.16  
97.47
101.61
UMBS 30YR 6.0
102.54 +0.05  
99.66
102.54
10 YR Treasury
4.039 -0.047  
3.621
4.780
MBS Live Week Ahead: Sideways Baseline Waits For Inspiration (And Wonders
Mon, Aug 12, 2019 9:30AM
In the week just passed, bonds began to settle into a range after the sharp move lower in the previous week (driven by flaring trade tensions).  This settling process didn't truly emerge until Thursday.  Before that bonds rallied hard into Wednesday morning mostly on follow through from the week's early move (which was driven by China's "doubling... (read more)
MBS Price Change
UMBS 5.0 99.78 +0.31
UMBS 5.5 101.28 +0.16
UMBS 6.0 102.54 +0.05
GNMA 5.0 100.07 +0.24
GNMA 5.5 101.19 +0.06
GNMA 6.0 102.18 +0.05
Pricing as of: 9/8 6:21PM EST
US Treasury Yield Change
2 YR Treasury 3.487 -0.030
5 YR Treasury 3.562 -0.027
7 YR Treasury 3.768 -0.032
10 YR Treasury 4.039 -0.047
30 YR Treasury 4.690 -0.079
Pricing as of: 9/8 6:21PM EST
Other News
Fannie/Freddie Universal MBS Launch Has Been Seamless So Far
Mon, Aug 12, 2019 3:22PM
After years of planning, the two government sponsored enterprises (GSEs) Fannie Mae and Freddie Mac launched their uniform mortgage-backed security (UMBS) in early June. So far, the Urban Institute (UI) likes what it sees. UI analysts Karan Kaul and Laurie Goodman say the early reaction of investors to the new instrument is encouraging. The UMBS is actually ... (read more)
Recent Rate Cuts Bolster Refinance Pool
Fri, Aug 9, 2019 10:16AM
Ever since mortgage rates began to move lower, Black Knight has devoted a big portion of its Mortgage Monitor , a monthly report on loan performance and other mortgage issues, to tracking the ebb and flow of the refinanceable loan population. The company defines refinanceable as a loan where the borrower can qualify for a new loan with a credit score of 720 ... (read more)
Jumbo Credit Access Increased in July
Fri, Aug 9, 2019 8:14AM
The availability of jumbo mortgage loans increased in July, but not enough to offset tightening in credit access for other types of loans. The Mortgage Bankers Association (MBA) said its Mortgage Credit Availability Index (MCAI) dipped 0.4 percent compared to June to a reading of 189.0. A decline in the MCAI, which was benchmarked to 100 in March 2012, indic... (read more)
Broker, Credit, Subservicer Products; CRM Survey and Vendor News
Mon, Aug 12, 2019 9:19AM
While the world is watching 0% or-.5% interest rates in Denmark , in this country Zillow is competing with lenders, real estate agents, and mom & pop fix & flippers. In its last quarter, $248.9 million of the data company’s $599.6 million in revenue came from buying and selling homes directly . The company bought 1,525 homes from April to June ... (read more)
Latest Video
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Bank of America CEO: Loan demand showing consistent growth
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January new home sales fall short of expectations, down 6.9 percent
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U.S. Budget Deficit Already Exceeds Last Year's Total Figure - Bloomberg
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Morgan Stanley analysts say Fed to cut U.S. rates in September
CNBC
Wall Street sees even more Fed rate cuts ahead with Morgan Stanley predicting a return to zero
CNBC
Danish bank offers mortgages with negative 0.5% interest rateshere's why that's not necessarily a good thing
Reuters
U.S. consumer inflation outlook declined as Fed weighed rate cuts: survey
Calculated Risk Blog
AAR: July Rail Carloads down 4.8% YoY, Intermodal Down 6.1% YoY
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Yen and bond bulls charge on; Argentina braces for mauling
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China's central bank says it's close to releasing its own digital currency
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Bond Traders on Yuan-Watch as Trade War Turns Data Into Old News
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Millennials drive mortgage refinance boom, and lenders are scrambling
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Prices Paid for Building Materials Increase in July
Bloomberg
Trump Still Has Plenty of Ways to Escalate His China Trade War
© 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
9/8/2025
30 Yr. Fixed Rate
6.28%
-0.01%
0.00
MBS & Treasury Prices
UMBS 30YR 5.5
101.28
+0.16
10 Year US Treasury
101.719
+0.390
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