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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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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Mortgage Rate Watch
Mortgage Rates Miraculously Flat Despite Massively Lower Treasury Yields
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 ... (read more)
Housing News
Fannie/Freddie Universal MBS Launch Has Been Seamless So Far
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 ... (read more)
MBS Commentary
MBS Live Week Ahead: Sideways Baseline Waits For Inspiration (And Wonders
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 int... (read more)
Rob Chrisman
Broker, Credit, Subservicer Products; CRM Survey and Vendor News
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 milli... (read more)
Housing News
Recent Rate Cuts Bolster Refinance Pool
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 com... (read more)
Housing News
Jumbo Credit Access Increased in July
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 co... (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 2:25PM 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 2:25PM EST
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© 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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