Although Freddie Mac's weekly mortgage rate survey (released today) suggested the lowest rates since October 2024, our daily numbers offer a bit more nuance. To be sure, October 28th and September 16th both saw distinctly lower rates this year.   Today's rates are right in line with yesterday's as well as last Friday's.  In other words, this week is flat compared to Friday although the average rate is lower so far. The bond market closes early today and will be fully closed tomorrow. Bonds reopen on Friday and then will be fully open for a normal week of trading next week. [thirtyyearmortgagerates]

December 31, 2025 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.20% +0.00%   6.13% 7.26% 15 Yr. Fixed 5.76% +0.01%   5.6% 6.59% 30 Yr. Jumbo 6.37% +0.00%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Dec 31, 2025 Mortgage Rates Staying Steady to Close Out 2025 Wed, Dec 31, 2025 1:10PM Although Freddie Mac's weekly mortgage rate survey (released today) suggested the lowest rates since October 2024, our daily numbers offer a bit more nuance. To be sure, October 28th and September 16th both saw distinctly lower rates this year.   Today's rates are right in line with yesterday's as well as last Friday's.  In other words, this week is flat compared to Friday although the average rate is lower so far. The bond market closes early today and will be fully closed tomorrow. Bonds reopen on Friday and then will be fully open for a normal week of trading next week. [t... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.20% 0.00 0.00 15 Yr. Fixed 5.76% +0.01 0.00 30 Yr. FHA 5.85% +0.01 0.00 30 Yr. Jumbo 6.37% 0.00 0.00 7/6 SOFR ARM 5.73% +0.01 0.00 30 Yr. VA 5.87% +0.01 0.00 Updates Daily - Last Update: 12/31 Freddie Mac Rate Change Points 30 Yr. Fixed 6.15% -0.03 0.00 15 Yr. Fixed 5.44% -0.06 0.00 Updates Weekly - Last Update: 12/31 Mortgage Bankers Assoc. 30 Yr. Fixed 6.33% +0.01 0.60 15 Yr. Fixed 5.71% -0.02 0.64 30 Yr. Jumbo 6.46% +0.06 0.35 Updates Weekly - Last Update: 12/10 UMBS 30YR 5.0 99.73 -0.18   95.05 100.11 UMBS 30YR 5.5 101.41 -0.08   97.47 101.49 10 YR Treasury 4.169 +0.046   3.932 4.780 A Bit of Actual Data-Driven Selling Thanks to Jobless Claims and Wonky Seasonal Adjustments Wed, Dec 31, 2025 8:56AM Human traders may be extremely underrepresented on today's half-day trading session, but the robots/algos know what to do with a sub-200k Jobless Claims print.  Robots are also not smart enough to know that the sub-200k print is likely distorted... (read more) MBS Price Change UMBS 4.5 97.63 -0.16 UMBS 5.0 99.73 -0.18 UMBS 5.5 101.41 -0.08 GNMA 4.5 97.44 -0.17 GNMA 5.0 99.72 -0.18 GNMA 5.5 100.97 -0.04 Pricing as of: 1/1 1:56AM EST US Treasury Yield Change 2 YR Treasury 3.475 +0.026 5 YR Treasury 3.727 +0.049 7 YR Treasury 3.939 +0.059 10 YR Treasury 4.169 +0.046 30 YR Treasury 4.844 +0.038 Pricing as of: 1/1 1:56AM EST Other News Pricing Products; Non-Agency Changes; NAMB Interview on the Broker Biz; Happy New Year Wed, Dec 31, 2025 11:40AM Lender and Broker Services, Products, and Software “At Optimal Blue, we’d like to take a moment to say THANK YOU to the incredible clients and partners who made this year unforgettable. Your trust and collaboration fuel our mission to deliver solutions that tackle the real-world challenges mortgage lenders face every day. As we look ahead, we’re excited to... (read more) Latest Video Mohtashami: Stability in rates matters more than cuts for the housing marke... Home prices are becoming more affordable; down payments still hold buyers b... Initial jobless claims fell to 199,000 for the week ending December 27 Homeowners are doing well despite sluggish sales activity, says NAR’s Lawre... Around the Web Eye on Housing Top Posts U.S. Population Grows at Highest Rate Since 2001 AP News Judge blocks White House’s attempt to defund the CFPB, ensuring employees get paid CNBC Fed minutes show officials were in tight split over December rate cut Calculated Risk Blog Weekly Initial Unemployment Claims Decrease to 199,000 Eye on Housing Top Posts Residential Remodelers Outnumber Single-family Builders in the U.S. Eye on Housing Top Posts Cost of Constructing a Home in 2024 CNBC 10-year Treasury yield dips as investors await final economic data of 2025 Eye on Housing Top Posts States with Highest and Fastest Rising Construction Wages, 2025 CNBC Heres what to expect for commercial real estate in 2026 Calculated Risk Case-Shiller: National House Price Index Up 1.4% year-over-year in October CNBC 10-year Treasury yield steady ahead of December Fed minutes FHFA FHFA House Price Index® Up 0.4 Percent in October; Up 1.7 Percent from Last Year Calculated Risk Blog Freddie Mac House Price Index Up 1.0% Year-over-Year in November

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