Uneventful Resilience Monday's theme for the bond market was one of moderate resilience--at least for the longer-end of the yield curve.  Yields are lower across the board (less so for shorter-term notes like the 2yr) without any headline or data-based motivations. On days like this, motivation is assumed to come from technicals and trading taking place in other markets for other reasons. With earnings season in full swing, it's no surprise to see 9:30am and 4pm garner most of the days volume and volatility.f Econ Data / Events Leading Indicators -0.3 vs -0.2 f'cast, 0.0 prev Market Movement Recap 10:35 AM stronger overnight and holding gains so far.  MBS up 6 ticks (.19) and 10yr down 6.3bps at 4.357 02:01 PM still sideways at stronger levels.  MBS up 6 ticks (.19) and 10yur down 5.7bps at 4.363 03:44 PM Off the best levels but still stronger on the day.  MBS up an eighth and 10yr down 5.1bps at 4.369

July 21, 2025 Download our Mobile App: Download our Mobile App: MBS Commentary Uneventful Resilience Uneventful Resilience Monday's theme for the bond market was one of moderate resilience--at least for the longer-end of the yield curve.  Yields are lower across the board (less so for shorter-term notes... (read more) Mortgage Rate Watch Mortgage Rates Move Slightly Lower to Start New Week Mortgage rates didn't move much on Monday, but they moved in the right direction with the average lender 0.03% lower for a top tier 30yr fixed scenario versus last Friday.  That makes this the 4th straight business day with a modest gain and it ... (read more) Rob Chrisman Broker, Fraud Prevention, AI HELOC Tools; In-Person Events and Training “Sometimes, someone unexpected comes into your life outta nowhere, makes your heart race, and changes you forever. We call those people cops. (Where did you think that was going?)” Lots of people want to know what to expect with interest rates and, s... (read more) Mortgage Rates 30 Yr. Fixed Rate 6.63% -0.12% Rate Change Points Mortgage News Daily 30 Yr. Fixed 6.63% -0.12 0.00 15 Yr. Fixed 5.95% -0.08 0.00 30 Yr. FHA 6.22% -0.11 0.00 30 Yr. Jumbo 6.75% -0.11 0.00 7/6 SOFR ARM 6.12% -0.13 0.00 30 Yr. VA 6.24% -0.10 0.00 Updates Daily - Last Update: 8/1 15 Yr. Fixed Rate 5.95% -0.08% Rate Change Points Freddie Mac 30 Yr. Fixed 6.72% -0.02 0.00 15 Yr. Fixed 5.85% -0.02 0.00 Updates Weekly - Last Update: 7/31 Rate Change Points Mortgage Bankers Assoc. 30 Yr. Fixed 7.01% +0.17 0.65 15 Yr. Fixed 6.45% +0.31 0.56 30 Yr. Jumbo 7.17% +0.42 0.44 Updates Weekly - Last Update: 7/30 MBS / Treasuries UMBS 30YR 5.5 100.09 +0.68 Price / Yield Change MBS UMBS 5.5 100.09 +0.68 UMBS 6.0 101.77 +0.42 GNMA 5.5 100.24 +0.52 GNMA 6.0 101.62 +0.31 Pricing as of: 8/2 2:46AM EST 10 Year US Treasury 4.2213 -0.1497 Price / Yield Change US Treasury 2 YR Treasury 3.690 -0.265 5 YR Treasury 3.758 -0.212 7 YR Treasury 3.967 -0.186 10 YR Treasury 4.221 -0.150 30 YR Treasury 4.833 -0.064 Pricing as of: 8/2 2:46AM EST Latest Video Index of leading economic indicators down 0.3% vs. 0.2% expected VantageScore CEO on credit scoring and impact on mortgage lending Housing affordability is the number one issue in America right now: Former ... Consumer sentiment comes in at 61.8 Around the Web Calculated Risk Blog Goldman's Mid-Year Housing Outlook Eye on Housing Sales of Lower-Priced New Single-Family Homes Declined Over the Past Five Years CNBC U.S. Treasury yields inch lower as investors weigh the state of the U.S. economy Calculated Risk Blog Housing July 21st Weekly Update: Inventory up 1.2% Week-over-week; Down 11% from 2019 Levels Calculated Risk Blog NMHC on Apartments: Market conditions Tightened in Q2 Market Watch Americans are less anxious about trade wars and inflation. Yet they dont have much confidence in the economy. Calculated Risk Blog Lawler: Early Read on Existing Home Sales in June Calculated Risk Housing Starts Increased to 1.321 million Annual Rate in June Eye on Housing Builder Confidence Edges Up in July Calculated Risk Blog Hotels: Occupancy Rate Decreased 3.2% Year-over-year Calculated Risk Blog LA Ports: Traffic Down 3% YoY in June CNBC Treasury yields inch lower as investors await more economic data MSN Import prices rise 0.1%, export prices rise 0.5% in June

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