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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Things have been weird enough for mortgage rates recently that we were forced to add a " Temporary Note on Mortgage Rate Inconsistency " to our daily coverage recently. It will likely return before too long, but with a few edits for clarity. Edits will also need to account for days like today, which offered a prime example of how the inconsistency can be corrected. There's a decent chance those first 3 sentences are confusing and/or relatively meaningless, so let's change that! Mortgage rates aren't the only rates out there. They exist in an ecosystem with more established players like US Treasury yields. They move so much like Treasury yields that even very smart people mistakenly believe Treasuries (specifically, the 10yr) dictate mortgage rates. Recently though, mortgage rates have moved
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August 16, 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 16, 2019
Mortgage Rate Weirdness May Be Working in Your Favor Today
Fri, Aug 16, 2019 3:22PM
Things have been weird enough for mortgage rates recently that we were forced to add a " Temporary Note on Mortgage Rate Inconsistency " to our daily coverage recently. It will likely return before too long, but with a few edits for clarity. Edits will also need to account for days like today, which offered a prime example of how the inconsistency can be corrected. There's a decent chance those first 3 sentences are confusing and/or relatively meaningless, so let's change that! Mortgage rates aren't the only rates out there. They exist in an ecosystem with more established players like US Trea... (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 Recap: Relative Stability + Moderate Losses = MBS Fighting Back
Fri, Aug 16, 2019 4:54PM
Perhaps more than any other day in the past few weeks, today stood as an example of the mortgage market's ability to put up a fight when the time is right.  As we've discussed frequently, they've been getting pummeled by Treasuries as the latter's yields fell to new multi-year lows.  MBS prices are at multi-year highs, to be fair, but in an under... (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
New FHA Rule Will Ease Condo Approval Process
Thu, Aug 15, 2019 8:10AM
The long-waited Federal Housing Administration (FHA) rule regulating condominium lending was finalized Wednesday afternoon. The Department of Housing and Urban Development (HUD), the parent agency of FHA, published the final regulation and the policy implementation guidance establishing a new condominium approval process. As a way of background, under existi... (read more)
Refinance Spree Continues with Rates at Near 3-Year Lows
Wed, Aug 14, 2019 8:09AM
The Mortgage Bankers Association (MBA) said its Market Composite Index, a measure of mortgage application volume, rose 21.7 percent on a seasonally adjusted basis during the week ended August 9. MBA attributed the substantial decline in interest rates at the beginning of the week for the surge of applications which were concentrated on mortgage refinancing. ... (read more)
Loan Performance Responds to Slowing Economy, Natural Disasters
Tue, Aug 13, 2019 11:32AM
Both the Mortgage Bankers Association (MBA) and CoreLogic issued data on recent loan performance on Tuesday. For CoreLogic the Monthly Loan Performance Report covered May, MBA's National Delinquency Survey is for the second quarter of this year. MBA notes an increase in the overall seasonally adjusted delinquency rate to 4.53 percent of all loans outstanding... (read more)
DPA, Non-QM Products; Deficits, Debt, The Yield Curve, and Mortgage Rates
Fri, Aug 16, 2019 8:27AM
Some international rates have gone through 0 percent and are now negative. The low rates and high volumes have caused lenders to focus less on long-term planning and more on closing loans. Who can blame them? How would U.S. mortgage rates near 0 percent impact the future refi market for lenders? Here’s a piece worth a skim on why mortgage rates probabl... (read more)
Latest Video
January new home sales drop nearly 7%
Bank of America CEO: Loan demand showing consistent growth
UK parliament votes on options to delay Brexit
January new home sales fall short of expectations, down 6.9 percent
Around the Web
Calculated Risk Blog
Lawler: Early Read on Existing Home Sales in July
Reuters
Exclusive: Fed's Mester weighing argument for U.S. rate cut
Reuters
Exclusive: Fed's Mester weighing argument for U.S. rate cut
Calculated Risk Blog
Sacramento Housing in July: Sales Up 6% YoY, Active Inventory DOWN 16% YoY
Bloomberg
Germany Ready to Raise Debt If Recession Hits, Spiegel Reports
CNBC
KB Home CEO says confidence matters more than mortgage rates, and confidence just took a hit
Calculated Risk Blog
BLS: July Unemployment rates at New Series Lows in Alabama, Arkansas, Maine and New Jersey
CNBC
US consumer sentiment falls to 92.1 in August, vs. 97 estimate
Calculated Risk Blog
Comments on July Housing Starts
Calculated Risk Blog
Housing Starts decline to 1.191 Million Annual Rate in July
CNBC
Fed may not have the firepower to save the economy if a recession is coming
CNBC
Fed's Bullard says only a 'sustained' bond inversion would be a bearish signal
Calculated Risk Blog
CAR on California: "California home sales perk up in July"
© 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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