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: 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 Jul 21, 2025 Mortgage Rates Move Slightly Lower to Start New Week Mon, Jul 21, 2025 3:57PM 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 gets us back in line with the lowest rates since July 3rd. One fairly consistent theme this week will be the absence of the sort of high-impact economic data that is often responsible for rate volatility. Last week's key data was the Consumer Price Index (CPI), which pushed rates higher on Tuesday.  There are several economic reports on tap t... (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 Uneventful Resilience Mon, Jul 21, 2025 4:26PM 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 com... (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 9:13PM 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 9:13PM EST Other News Broker, Fraud Prevention, AI HELOC Tools; In-Person Events and Training Mon, Jul 21, 2025 11:51AM “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, surprisingly, pay some firms to predict the future. (Everyone out there is striving for business regardless of ... (read more) 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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