30YR Fixed Rate
6.75%
+0.02%
15YR Fixed Rate
5.98%
+0.01%
UMBS 30YR 5.5
99.73
+0.09
10 Year Treasury
4.330
-0.017
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A Small Risk in a Pile of Good News For rates and the bond market, the news has been almost exclusively good for weeks-to-months.  Most recently, we've seen lower lows than ever and spent more time remaining in that range than any past trip to all-time lows.  In other words, we would typically expect a bounce by now.  Interestingly enough, there is a very small hint at such a bounce emerging.  While it's too soon to worry about it, it's not too soon to keep an eye on it. Econ Data / Events 20min of Fed 30yr UMBS Buying  10am, 1130am (M-F) and 1pm (T-Th) Existing Home Sales 4.72m vs 4.78m f'cast , 3.91 prev Market Movement Recap 08:33 AM Socks and bonds yields were both slightly lower overnight.  The biggest move followed news about the closure of the Chinese consulate in Houston (yes, really).  10yr yields are down 1.9bps at .586 and 2.0 UMBS  are up 2 ticks (0.06). 10:44 AM No detectable reaction to home sales data.  Bonds remain roughly unchanged-to-slightly-stronger.  10yr yields may be seeing some resistance at the range floor of .58%. 01:25 PM 2.0 UMBS are now up an eighth of a point on the day at 103-01 (103.03). 10yr yields are down 1.6bps at .589 and as yet unwilling to break below the .58% range boundary.  MBS outperformance followed the Fed's last bond buying operation of the day. 03:22 PM There was a fairly quick bout of selling just after 2pm, but it has since been corrected.  It was more noticeable in MBS than Treasuries. Both lost a bit of ground but remain modestly stronger on the day.
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July 22, 2020
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MBS Commentary
MBS Live Recap: A Small Risk in a Pile of Good News
A Small Risk in a Pile of Good News For rates and the bond market, the news has been almost exclusively good for weeks-to-months.  Most recently, we've seen lower lows than ever and spent more time remai... (read more)
Housing News
Existing Home Sales Roared Back in June, Ending 3-Month Drought
Existing home sales ended a three-month string of losses arising out of the COVID-19 pandemic with a flourish, soaring by 20.7 percent from May to June. Sales rose from a seasonally adjusted annual rate of 3.91 million units in May to 4.72 million un... (read more)
Mortgage Rate Watch
Mortgage Rates Are Still Amazing, But Improving at a Slower Pace Now
Mortgage rates have been holding a very narrow range since July 9th. They also hit new all-time lows on July 9th. A few of the days since then have been slightly better and--less frequently--slightly worse, but any one of them is noticeably better th... (read more)
Housing News
Mortgage Apps Continue Gains, Forbearance Totals Drop Below 4 Million
Even with some interest rates ticking higher, both purchase and refinance activity increased last week. The Mortgage Bankers Association (MBA) said its Market Composite Index, a measure of mortgage loan application volume, increased 4.1 percent on a ... (read more)
Housing News
Home Prices Fell Slightly in May
House prices fell in May, although they remain well ahead of prices a year earlier. The Federal Housing Finance Agency (FHFA) said its House Price Index (HPI) dropped by 0.3 percent from its April levels. Prices were down or unchanged in eight of the... (read more)
Rob Chrisman
eClosing, Broker, Servicing Products; USDA Rural Tidbits; Forbearance Stats Improving
Originators, as Deb from Virginia reminded me, are currently like ducks: cool and calm on the surface, paddling frantically underneath. Originators like low rates, but not if their clients can’t qualify for a loan. Furloughs are becoming perman... (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
99.72 +0.08
Price / Yield Change
MBS
UMBS 5.5 99.74 +0.09
UMBS 6.0 101.53 +0.09
GNMA 5.5 99.93 +0.08
GNMA 6.0 101.42 +0.08
Pricing as of: 7/6 10:26PM EST
10 Year US Treasury
4.3339 -0.0128
Price / Yield Change
US Treasury
2 YR Treasury 3.855 -0.028
5 YR Treasury 3.911 -0.026
7 YR Treasury 4.102 -0.023
10 YR Treasury 4.330 -0.017
30 YR Treasury 4.860 -0.003
Pricing as of: 7/6 10:26PM EST
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Record Low Mortgage Rates Put More Cash In Pockets, But May Not Boost Economy Much
© 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
99.74
+0.10
10 Year US Treasury
99.356
+0.134
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