30YR Fixed Rate
6.73%
+0.06%
15YR Fixed Rate
5.97%
+0.06%
UMBS 30YR 5.5
99.71
-0.13
10 Year Treasury
4.332
+0.052
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Independent mortgage banks (IMBs) have been around for more than a century. but have taken on increased significance and power in the marketplace since the housing crisis. The Mortgage Bankers Association (MBA) says that several myths have grown up around this trend, coming from critics such as the Brookings Institution. It just published a White Paper discussing the current role of IMBs and addressing the myths. There were 900 IMBs in the US In 2017 according to Home Mortgage Disclosure Act (HMDA) data. They account for 16 percent of companies reporting data but originated 54 percent of single family (one to four unit) mortgages, up from 25 percent in 2008. MBA says this growth presents policy questions, but "it should be evaluated based on a solid understanding of the IMB role and importance
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February 25, 2019
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Housing News
Can We Stop Freaking Out About Independent Mortgage Banks Now?
Independent mortgage banks (IMBs) have been around for more than a century. but have taken on increased significance and power in the marketplace since the housing crisis. The Mortgage Bankers Association (MBA) says that several myths have grown up a... (read more)
Mortgage Rate Watch
Mortgage Rates Only Modestly Higher After Tariff News
Mortgage rates were very nearly unchanged today, although the average lender was just slightly higher. Investors reacted to news over the weekend that the US/China tariff deadline would be extended. While that doesn't have anything to do with mortgag... (read more)
MBS Commentary
MBS Live Day Ahead: Tariff Extension is Old News as Bonds Wait For Powell and Data
The "big" news over the weekend was the announcement of an extension on US/China tariffs that were set to go into effect on March 1st.  While an eventual trade deal would still be a big development for both sides of the market, the extension was... (read more)
Rob Chrisman
Workflow and Profitability Products; Study on Referrals; Events and Training
When you hear “Midwest” what comes to mind? Missouri? Illinois? What about “Mideast?” Some place a long way from Missouri! “Rob, have you heard that the cost to originate a loan is different based on geography?” I ... (read more)
MBS Commentary
MBS Live Recap: Sudden Glut of Fed Bond-Buying Comments
As recently as January 10th, Jerome Powell unequivocally stated that the Fed's balance sheet wind-down was on auto pilot.  In other words, they weren't going to be jumping back into buying bonds with balance sheet reinvestments any time soon.&nb... (read more)
MBS Commentary
MBS Live Recap: Bonds Hold Ground Nicely Despite Threats
If bonds happened to move higher in yield by more than they did today, we'd be talking about how the announcement of a US/China tariff extension put upward pressure on rates.  As it stands, we can still witness just a bit of that upward pressu... (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 99.70 -0.14
UMBS 6.0 101.47 -0.09
GNMA 5.5 99.90 -0.07
GNMA 6.0 101.18 -0.23
Pricing as of: 7/3 10:54AM EST
10 Year US Treasury
4.3314 +0.0516
Price / Yield Change
US Treasury
2 YR Treasury 3.879 +0.091
5 YR Treasury 3.932 +0.065
7 YR Treasury 4.117 +0.061
10 YR Treasury 4.333 +0.053
30 YR Treasury 4.847 +0.038
Pricing as of: 7/3 10:54AM EST
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© 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
99.72
-0.13
10 Year US Treasury
99.333
-0.427
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