30YR Fixed Rate
6.73%
+0.06%
15YR Fixed Rate
5.97%
+0.06%
UMBS 30YR 5.5
99.72
-0.13
10 Year Treasury
4.325
+0.045
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The gap in homeownership rates between white Americans and racial and ethnic minorities has persisted for years with the largest gap among black families. All demographic groups have seen their rates decline from the 2004 peak, but again decline since has been most dramatic for black Americans. Their rate has dropped 5 percent compared to 1 percent for white families and an increase among Hispanics. The rate for Millennial generation blacks is 13 percent today compared to 37 percent for white Millennials. Alana McCargo, writing in the Urban Institute's (UI's) Urban Wire Blog, says black homeownership rates are now at levels not seen since the 1960s when private raced-based discrimination was legal. She says this sustained gap has been studied, quantified and discussed thoroughly in recent years
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February 20, 2019
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Rob Chrisman
Digital, Pricing Products; Retail Digital/Program News, loanDepot's Smartloan
Watch out for spam emails asking for your phone number. Seems like they are trying to get past the two-factor authentication that sends a six-digit code to cell phones. And please watch out for rogue capital markets people in the lunchroom microwavin... (read more)
Housing News
UI Addresses Disparity in Minority Homeownership Rates
The gap in homeownership rates between white Americans and racial and ethnic minorities has persisted for years with the largest gap among black families. All demographic groups have seen their rates decline from the 2004 peak, but again decline sinc... (read more)
MBS Commentary
MBS Live Day Ahead: Closer Look at Precedents For The Next Big Move
Yesterday, I mentioned that  it was rare to see short-term momentum technicals consolidate in the center of their "overbought vs oversold" range.  This refers to a fast stochastic oscillator--one of many ways that traders apply math the a t... (read more)
Housing News
Mortgage Application Volume Makes a Return to Positive Territory
The Mortgage Bankers Association (MBA) said mortgage application volume rose for the first time in five weeks during the week ended February 7. MBA's Market Composite Index, a measure of that volume, increased 3.6 percent on a seasonally adjusted bas... (read more)
MBS Commentary
MBS Live Recap: The Range May Be Breaking...
The range may be breaking!  Well, one of the ranges we've been tracking may be breaking, as long as tomorrow sees bond markets hold the gains they saw today.  Unfortunately, if that happens, it won't really mean that much--at least not yet.... (read more)
Mortgage Rate Watch
Mortgage Rates Near Long-Term Lows After Fed Minutes
Mortgage rates finally broke from their recent "back-and-forth" pattern of the past 7 business days and moved lower for the 2nd day in a row . Although today's big-ticket event for financial markets was the 2pm release of the Fed's most recent meetin... (read more)
Mortgage Rates
30 Yr. Fixed Rate
6.73% +0.06%
Rate Change Points
Mortgage News Daily
30 Yr. Fixed 6.73% +0.06 0.00
15 Yr. Fixed 5.97% +0.06 0.00
30 Yr. FHA 6.25% +0.06 0.00
30 Yr. Jumbo 6.84% +0.04 0.00
7/6 SOFR ARM 6.33% +0.04 0.00
30 Yr. VA 6.26% +0.06 0.00
Updates Daily - Last Update: 7/2
15 Yr. Fixed Rate
5.97% +0.06%
Rate Change Points
Freddie Mac
30 Yr. Fixed 6.77% -0.04 0.00
15 Yr. Fixed 5.89% -0.07 0.00
Updates Weekly - Last Update: 6/26
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
99.70 -0.15
Price / Yield Change
MBS
UMBS 5.5 99.72 -0.13
UMBS 6.0 101.46 -0.11
GNMA 5.5 99.89 -0.07
GNMA 6.0 101.19 -0.22
Pricing as of: 7/3 10:49AM EST
10 Year US Treasury
4.3314 +0.0516
Price / Yield Change
US Treasury
2 YR Treasury 3.876 +0.088
5 YR Treasury 3.928 +0.061
7 YR Treasury 4.114 +0.057
10 YR Treasury 4.330 +0.050
30 YR Treasury 4.844 +0.035
Pricing as of: 7/3 10:49AM EST
Latest Video
Fed: Most agree to announce plan to reduce balance sheet
Fed exactly where it should be, says investor
Fed: Expecting slower growth in 2019
Around the Web
NY Times
Fed Offers More Clues About Interest Rate Pause
Calculated Risk Blog
California Existing Homes in January: "Home sales fall to lowest level in more than 10 years"
Reuters
Fed policymakers saw little risk from patient stance: minutes
Federal Reserve
Minutes of the Federal Open Market Committee, January 29-30, 2019
Calculated Risk Blog
Phoenix Real Estate in January: Sales down 12% YoY, Active Inventory up 10% YoY
CNBC
We're about to find out why the Federal Reserve did its policy U-turn which ripped markets higher
Calculated Risk Blog
AIA: "Strong start to 2019 for architecture billings"
Bloomberg
Fed May Raise Rates in December, JPMorgan's Fitzsimmons Says
CNBC
Treasury yields fall amid US-China trade talks; Fed minutes in focus
CNBC
Investors are buying both stocks and bonds at the same time and the Federal Reserve is to blame
Calculated Risk Blog
Lawler: Early Read on Existing Home Sales in January
Calculated Risk Blog
Las Vegas: Convention Attendance and Visitor Traffic Declined Slightly in 2018
Bloomberg
ECB Heavy Hitters Lay Groundwork for Response to Slowdown
© 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
7/2/2025
30 Yr. Fixed Rate
6.73%
+0.06%
0.00
MBS & Treasury Prices
UMBS 30YR 5.5
99.69
-0.16
10 Year US Treasury
99.317
-0.443
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