30YR Fixed Rate
6.27%
-0.04%
15YR Fixed Rate
5.82%
-0.01%
UMBS 30YR 5.0
99.72
+0.05
10 Year Treasury
4.030
+0.001
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It is the largest generation in U.S. history and Millennials may also set a record as the one whose behaviors have been most heavily researched. Despite the hours of study and pails of ink, the direction the generation's members will ultimately take in their lives still has the nation a bit flummoxed. This may especially be true of their decisions about shelter. The Urban Institute (UI) just completed another large study on young adults born between 1981 and 1997. That, compared to earlier generations, they are more tech-savvy, racially and ethnically diverse, better educated, and marry later in life, explains some but not all of their performance to date as homeowners. The UI team* finds that the 37 percent rate of homeownership within the generation in 2015 was lower than both of the preceding
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July 18, 2018
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30 Yr. Fixed
6.27% -0.04%  
6.13%
7.26%
15 Yr. Fixed
5.82% -0.01%  
5.6%
6.59%
30 Yr. Jumbo
6.20% -0.02%  
6.14%
7.45%
Compare Mortgage Rates from Local Lenders for Jul 18, 2018
Mortgage News Daily Rate Change Points
30 Yr. Fixed 6.27% -0.04 0.00
15 Yr. Fixed 5.82% -0.01 0.00
30 Yr. FHA 6.00% -0.03 0.00
30 Yr. Jumbo 6.20% -0.02 0.00
7/6 SOFR ARM 5.71% -0.01 0.00
30 Yr. VA 6.02% -0.03 0.00
Updates Daily - Last Update: 10/15
Freddie Mac Rate Change Points
30 Yr. Fixed 6.30% -0.04 0.00
15 Yr. Fixed 5.53% -0.02 0.00
Updates Weekly - Last Update: 10/9
Mortgage Bankers Assoc.
30 Yr. Fixed 6.43% -0.03 0.60
15 Yr. Fixed 5.77% +0.01 0.79
30 Yr. Jumbo 6.60% +0.06 0.44
Updates Weekly - Last Update: 10/8
UMBS 30YR 5.0
99.69 +0.02  
95.05
99.96
UMBS 30YR 5.5
101.10 +0.01  
97.47
101.28
10 YR Treasury
4.029 +0.001  
3.932
4.780
MBS Live Day Ahead: Bonds Increasingly Threatened by Momentum Shift; Powell Part 2
Wed, Jul 18, 2018 9:46AM
Fed Chair Powell will deliver round 2 of his congressional testimony today, this time at the House FSOC (yesterday was with the Senate Banking Committee).  There's no reason to expect today's House session to be any more of a market mover than y... (read more)
MBS Live Recap: Limited Reaction to Powell Testimony; Stocks
Tue, Jul 17, 2018 5:18PM
Fed Chair Powell fielded questions from the Senate Banking Committee today as a part of the 2-day semi-annual congressional testimony often referred to as the Humphrey Hawkins address.  These testimonies have plenty of street cred based on past examples where they've caused big market movements.  The difference between then and now is that market... (read more)
MBS Price Change
UMBS 4.5 97.76 +0.07
UMBS 5.0 99.72 +0.05
UMBS 5.5 101.10 +0.01
GNMA 4.5 97.74 +0.04
GNMA 5.0 99.96 +0.13
GNMA 5.5 100.93 +0.03
Pricing as of: 10/15 6:02PM EST
US Treasury Yield Change
2 YR Treasury 3.504 +0.021
5 YR Treasury 3.616 +0.011
7 YR Treasury 3.800 +0.002
10 YR Treasury 4.031 +0.002
30 YR Treasury 4.625 -0.005
Pricing as of: 10/15 6:02PM EST
Other News
Millennial Homeownership Headwinds Worrisome for Future
Wed, Jul 18, 2018 4:29PM
It is the largest generation in U.S. history and Millennials may also set a record as the one whose behaviors have been most heavily researched. Despite the hours of study and pails of ink, the direction the generation's members will ultimately take in their lives still has the nation a bit flummoxed. This may especially be true of their decisions about shel... (read more)
Housing Permits Soften, Starts Plummet
Wed, Jul 18, 2018 10:26AM
All three measures of residential construction activity performed poorly in June , and the two most closely watched numbers, construction permits and housing starts, fell short of their June 2017 numbers. Despite the monthly and year-over-year declines, the U.S. Census Bureau and the Department of Housing and Urban Development report that activity in the fir... (read more)
Mortgage Applications: Decline in Purchases Offset by Refinance Gains.
Wed, Jul 18, 2018 8:08AM
Refinancing made a tiny bit of a comeback during the week ended July 13. Both the Refinancing Index, a component of the Mortgage Bankers Associations (MBAs) Market Composite Index, and the share of applications that were for refinancing regained some ground after retreating during the previous three weeks. The overall Composite Index, a measure of mortgage v... (read more)
Pricing, Efficiency, and Operations Products; California DRE Changes
Wed, Jul 18, 2018 8:53AM
“Your loan officer should be given the opportunity to succeed elsewhere.” Ever heard a CEO recommend that to a branch manager regarding a poorly performing LO? Here in San Francisco, at the Western Secondary Conference, the talk is focused on secondary marketing and Fannie’s lower estimate of 2018’s volumes ($1.69 trillion). But LO pe... (read more)
Latest Video
Using the yield curve to predict a recession
Trade, labor and housing market themes in Fed's Beige Book
Fed's Powell on yield curve: Question is what's the story with long rates
Around the Web
Reuters
Fed walks careful line on trade, but downside risks emerging
Calculated Risk Blog
Phoenix Real Estate in June: Sales down 3%, Active Inventory down 10% YoY
NAR - Realtor.com
You've Probably Never Heard of the Most Expensive Home Maintenance Task
Calculated Risk Blog
Fed's Beige Book: Economic Growth "moderate or modest", "concern about tariffs", "Shrinking Margins"
Reuters
Financial, industrial stocks lift S&P 500 above five-month high
Calculated Risk Blog
Comments on June Housing Starts
CNBC
This unusual move in the bond market appears to be signaling interest rates are about to break out
Reuters
Fed's Powell quizzed again on trade risks by U.S. House
CNBC
How student loans are making some people abandon their dreams
Calculated Risk Blog
AIA: "June architecture firm billings stay positive"
CNBC
White House economic advisor Kudlow says no recession is in sight right now
CNBC
A bullish phenomenon' in bond market is weeks away from fading, top credit strategist says
Bloomberg
ECB Study Finds Stimulus Eased Rather Than Worsened Inequality
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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
10/15/2025
30 Yr. Fixed Rate
6.27%
-0.04%
0.00
MBS & Treasury Prices
UMBS 30YR 5.0
99.69
+0.01
10 Year US Treasury
101.771
-0.035
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