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5.65%
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UMBS 30YR 5.5
101.26
-0.02
10 Year Treasury
4.048
+0.009
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Mortgage rates are still coping with the after-effects of last week's surprise implementation of a new fee on refinances. The fee in question is technically an LLPA (Loan-Leve-Price-Adjustment). LLPAs are a normal part of the mortgage pricing process and they help lenders account for different risk factors (credit score, equity, occupancy, etc.). The new refi LLPA is a bit different in that it's in a sub-category known as an "adverse market fee." This is the agencies' way of collecting extra money to compensate for extra risks--hopefully transitory ones. None of the above would have been a big deal for the mortgage industry had the new fee been rolled out like every other fee: with plenty of advanced notice and in logical, palatable amount. As it stands, it more than doubled the average fee
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August 20, 2020
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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 20, 2020
Mortgage Rates Still Battling Hangover From Last Week's Drama
Wed, Aug 19, 2020 3:43PM
Mortgage rates are still coping with the after-effects of last week's surprise implementation of a new fee on refinances. The fee in question is technically an LLPA (Loan-Leve-Price-Adjustment). LLPAs are a normal part of the mortgage pricing process and they help lenders account for different risk factors (credit score, equity, occupancy, etc.). The new refi LLPA is a bit different in that it's in a sub-category known as an "adverse market fee." This is the agencies' way of collecting extra money to compensate for extra risks--hopefully transitory ones. None of the above would have been a big... (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
101.25 -0.03  
97.47
101.61
UMBS 30YR 6.0
102.49 -0.04  
99.66
102.50
10 YR Treasury
4.049 +0.010  
3.621
4.780
MBS Live Recap: MBS Underperforming Treasuries, But Broader Trends Are Decent
Thu, Aug 20, 2020 4:49PM
MBS Underperforming Treasuries, But Broader Trends Are Decent The mortgage market continues coping with the combination of last week's LLPA news and a generally high level of supply.  One hurts bond prices relative to Treasuries.  The other hurts mortgage rates relative to bonds.   ... (read more)
MBS Price Change
UMBS 5.0 99.74 -0.04
UMBS 5.5 101.26 -0.02
UMBS 6.0 102.50 -0.04
GNMA 5.0 100.05 -0.03
GNMA 5.5 101.20 +0.02
GNMA 6.0 102.15 -0.04
Pricing as of: 9/8 11:50PM EST
US Treasury Yield Change
2 YR Treasury 3.496 +0.009
5 YR Treasury 3.570 +0.008
7 YR Treasury 3.775 +0.006
10 YR Treasury 4.048 +0.009
30 YR Treasury 4.700 +0.010
Pricing as of: 9/8 11:50PM EST
Other News
CFPB Wants Your Comments on New Kind of QM
Wed, Aug 19, 2020 9:58AM
The Consumer Financial Protection Bureau (CFPB) is proposing a new category of qualified mortgage (QM) which it says is intended to "encourage innovation and help ensure access to responsible, affordable in the mortgage credit market." (we assume they meant "affordable credit in the mortgage market.") The category, "seasoned qualified mortgages" involves, as... (read more)
Share of Purchase Loans now Catching up With Refis
Wed, Aug 19, 2020 11:48AM
Refinance loans continued to dominate mortgage originations in July, but the gap with purchase loans is closing. Ellie Mae's Origination Insight Report for the month showed refinances with a 54 percent share, down from 58 percent in June. Purchasing increased to 46 percent from 42 percent. The rate on closed 30-year fixed rate mortgages declined from an aver... (read more)
Purchase Apps Still Rising Despite Rate Increases
Wed, Aug 19, 2020 8:27AM
Mortgage rates rose during the week ending August 14 and, while purchase applications sustained some of their momentum, a slowdown in refinancing pulled overall volume down. The Mortgage Bankers Association said its Market Composite Index, a measure of that volume, decreased 3.3 percent on a seasonally adjusted basis from one week earlier and was 4.0 percent... (read more)
Ops Jobs; Leads, Tech Tools; CFPB, LO Comp, G-Rate Legal Ruling in the News
Thu, Aug 20, 2020 9:06AM
In these times that lenders describe as busy, profitable, and overheated, capital markets personnel are focused on margin & capacity management, staff burnout, servicing values, and warehouse capacity. With lenders upping their first lien forecasts for 2020, warehouse lines are being increased as are broker/dealer trading limits. Overtime is an issue, an... (read more)
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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
101.26
-0.03
10 Year US Treasury
101.645
-0.074
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