30YR Fixed Rate
6.15%
-0.02%
15YR Fixed Rate
5.72%
-0.03%
UMBS 30YR 5.0
100.05
+0.01
10 Year Treasury
4.213
+0.033
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The latest Residential Construction report from the Census Bureau showed a noticeable drop in overall housing starts in May, though single-family activity managed a small gain. Building permits also declined, continuing a trend of slight cooling in new construction momentum. As usual, the market focuses most on building permits and housing starts , with the latter representing the beginning of actual construction activity. Total starts fell nearly 10% to an annual pace of 1.256 million , down from 1.392 million in April. The decline was almost entirely due to a sharp drop in multifamily starts , which fell from 420k to 316k , the lowest level in over a year. In contrast, single-family starts edged up slightly to 924k from 920k . Building permits—a forward-looking indicator—also declined, dropping 2% from 1.422 million to 1.393 million . That included a 2.7% decline in single-family permits and a moderate slowdown in multifamily authorizations.
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June 20, 2025
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30 Yr. Fixed
6.15% -0.02%  
6.01%
7.13%
15 Yr. Fixed
5.72% -0.03%  
5.55%
6.5%
30 Yr. Jumbo
6.33% -0.02%  
6.1%
7.45%
Compare Mortgage Rates from Local Lenders for Jun 20, 2025
Mortgage Rates Hold Steady
Fri, Jun 20, 2025 1:07PM
With Thursday being a federal holiday, banks (and more importantly, the underlying market for mortgage related bonds) were closed.  This means that lenders were not able to update mortgage rates.  It turns out that it wouldn't have mattered either way as the average lender has barely budged from Wednesday's levels.  But let's not miss an opportunity to deliver news that's technically good even if only just.  Over the past 3 business days, average rates have fallen 0.05%.  This keeps us close to the lowest levels seen since April 4th with top tier 30yr fixed scenarios ... (read more)
Mortgage News Daily Rate Change Points
30 Yr. Fixed 6.15% -0.02 0.00
15 Yr. Fixed 5.72% -0.03 0.00
30 Yr. FHA 5.75% -0.05 0.00
30 Yr. Jumbo 6.33% -0.02 0.00
7/6 SOFR ARM 5.56% -0.03 0.00
30 Yr. VA 5.77% -0.04 0.00
Updates Daily - Last Update: 2/6
Freddie Mac Rate Change Points
30 Yr. Fixed 6.11% +0.01 0.00
15 Yr. Fixed 5.50% +0.01 0.00
Updates Weekly - Last Update: 2/5
Mortgage Bankers Assoc.
30 Yr. Fixed 6.24% +0.08 0.55
15 Yr. Fixed 5.64% +0.09 0.61
30 Yr. Jumbo 6.34% -0.05 0.40
Updates Weekly - Last Update: 1/28
UMBS 30YR 5.0
100.05 +0.01  
95.71
100.50
UMBS 30YR 5.5
101.49 +0.04  
98.11
101.64
10 YR Treasury
4.213 +0.033  
3.932
4.608
Unofficial 4 Day Weekend
Fri, Jun 20, 2025 11:00AM
Much like the Friday after Thanksgiving, we have to wonder what the point is of a trading session without any neighbors (there's actually some guiding principle in setting holiday closures that there should not ever be more than 2 consecutive weekday closures). Much of the market treats such Fridays as the unofficial second day of a 4 day weekend.  Whil... (read more)
MBS Price Change
UMBS 4.5 98.06 +0.03
UMBS 5.0 100.05 +0.01
UMBS 5.5 101.49 +0.04
GNMA 4.5 97.84 +0.10
GNMA 5.0 100.18 +0.11
GNMA 5.5 101.22 -0.02
Pricing as of: 2/7 8:05AM EST
US Treasury Yield Change
2 YR Treasury 3.496 +0.044
5 YR Treasury 3.753 +0.036
7 YR Treasury 3.965 +0.026
10 YR Treasury 4.213 +0.033
30 YR Treasury 4.851 +0.006
Pricing as of: 2/7 8:05AM EST
Other News
Housing Starts Slide in May, But Single-Family Holds Steady
Fri, Jun 20, 2025 2:08PM
The latest Residential Construction report from the Census Bureau showed a noticeable drop in overall housing starts in May, though single-family activity managed a small gain. Building permits also declined, continuing a trend of slight cooling in new construction momentum. As usual, the market focuses most on building permits and housing starts , with ... (read more)
Mortgage Applications Slip Despite Lower Rates
Fri, Jun 20, 2025 1:32PM
Mortgage application activity declined modestly last week despite a drop in rates, according to the Mortgage Bankers Association’s (MBA) latest survey. The Composite Index fell 2.6% on a seasonally adjusted basis for the week ending June 13, with both purchase and refinance activity posting week-over-week declines. “Even with lower average mortgage rates, a... (read more)
Digital HELOC, Appraisal Review Products; Background AI; Hurricane Season is Here; Rates Holding Steady
Fri, Jun 20, 2025 11:42AM
Happy Summer Solstice, and happy 50th birthday to the movie Jaws. Back then, for security, all we had to remember was where we hid our house key, or the combo to the lock on our school locker. Now, our dozens of logins and passwords are regularly either forgotten or stolen, the latest being 16 billion credentials stolen, announced this week. In other IT news... (read more)
Latest Video
Fed Governor Waller: Fed could cut rates as early as July
Powell: Best way to help housing is restoring price stability and supportin...
Watch CNBC's full interview with Federal Reserve Governor Christopher Walle...
The Fed's hand will be held 'for quite a while' before contemplating rate c...
Around the Web
CNBC
Fed Governor Waller says central bank could cut rates as early as July
Calculated Risk Blog
California Home Sales "Sputter" in May; 4th Look at Local Markets
Reuters
Still early to assess tariff impact on economy, Fed report says
CNBC
Fed sees its preferred inflation gauge topping 3% this year, higher than previous forecast
CNBC
Fed leaves rates unchanged, as expected
Calculated Risk Blog
Q2 GDP Tracking: Wide Range
CNBC
Mortgage demand drops, even as rates fall to the lowest since April
Eye on Housing
Single-family Construction Loan Volume Grows
CNBC
U.S. Treasury yields little changed as Trump considers strike on Iran
Eye on Housing
Sharp Drop in Multifamily Production Brings Overall Housing Starts Down
Forex Live
US May housing starts 1.256m vs 1.357m expected
Market Watch
Jobless claims move lower, easing some concerns about labor market health
CNBC
U.S. oil prices hold near five-month high as Trump weighs Iran attack
© 2026  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
2/6/2026
30 Yr. Fixed Rate
6.15%
-0.02%
0.00
MBS & Treasury Prices
UMBS 30YR 5.0
100.05
+0.01
10 Year US Treasury
98.273
-0.267
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