Mortgage rates fell to the lowest levels in a month last Tuesday and barely budged through the rest of the week. Now, at the start of the new week, the average lender is perfectly unchanged from last Friday. This means there are only a small handful of days with meaningfully lower rates going all the way back to late 2022. As the government shutdown continues, the bond market (which dictates rates) continues missing out on the bulk of relevant economic reports that normally help guide momentum throughout the month.  Depending on the day, however, there can be other sources of inspiration. In today's case, the bond market took some solace from a well-received auction of US Treasuries. When it comes to auctions, when demand is stronger than expected, it can put some downward pressure on rates. This happened today, and it prompted a small handful of lenders to issue mid-day improvements, but it wasn't enough to change the average rate.

October 27, 2025 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.28% -0.05%   6.13% 7.26% 15 Yr. Fixed 5.81% -0.04%   5.6% 6.59% 30 Yr. Jumbo 6.30% +0.00%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Oct 27, 2025 Mortgage Rates Perfectly Flat to Start The Week Mon, Oct 27, 2025 3:15PM Mortgage rates fell to the lowest levels in a month last Tuesday and barely budged through the rest of the week. Now, at the start of the new week, the average lender is perfectly unchanged from last Friday. This means there are only a small handful of days with meaningfully lower rates going all the way back to late 2022. As the government shutdown continues, the bond market (which dictates rates) continues missing out on the bulk of relevant economic reports that normally help guide momentum throughout the month.  Depending on the day, however, there can be other sources of inspiration... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.28% -0.05 0.00 15 Yr. Fixed 5.81% -0.04 0.00 30 Yr. FHA 6.01% -0.04 0.00 30 Yr. Jumbo 6.30% 0.00 0.00 7/6 SOFR ARM 5.89% -0.06 0.00 30 Yr. VA 6.03% -0.04 0.00 Updates Daily - Last Update: 10/31 Freddie Mac Rate Change Points 30 Yr. Fixed 6.17% -0.02 0.00 15 Yr. Fixed 5.41% -0.03 0.00 Updates Weekly - Last Update: 10/30 Mortgage Bankers Assoc. 30 Yr. Fixed 6.30% -0.07 0.58 15 Yr. Fixed 5.67% -0.07 0.61 30 Yr. Jumbo 6.38% -0.01 0.34 Updates Weekly - Last Update: 10/29 UMBS 30YR 5.0 99.56 +0.01   95.05 100.11 UMBS 30YR 5.5 101.06 -0.01   97.47 101.40 10 YR Treasury 4.076 -0.020   3.932 4.780 Pre-Fed Consolidation, Pre-Auction Concession Mon, Oct 27, 2025 10:34AM As the shutdown continues, econ data remains sparse. This makes for smaller, more range-bound movement overall with last week making a decent case to established the floor of the current range in Treasury yields. A good-but-not-good-enough CPI helped seal the deal on Friday, but the impending Fed announcement is just as relevant.  The market has already... (read more) MBS Price Change UMBS 4.5 97.56 +0.06 UMBS 5.0 99.56 +0.01 UMBS 5.5 101.06 -0.01 GNMA 4.5 97.65 +0.04 GNMA 5.0 99.73 +0.05 GNMA 5.5 100.82 -0.03 Pricing as of: 11/1 4:05AM EST US Treasury Yield Change 2 YR Treasury 3.574 -0.034 5 YR Treasury 3.683 -0.035 7 YR Treasury 3.873 -0.025 10 YR Treasury 4.076 -0.020 30 YR Treasury 4.653 -0.004 Pricing as of: 11/1 4:05AM EST Other News Warehouse, PPE/LOS, Electronic Notary Tools; Non-Agency Product Changes; Student Debt Stats Mon, Oct 27, 2025 11:48AM I was recently on a hike with a gal pal, and we were talking about her future. I asked, “You don’t have any kids. Who is going to take care of you when you get older?” She replied, “The sommelier.” The future should be on everyone’s minds. I met up with a friend last week at the MBA Annual, and, knowing that his son had worked summer jobs for a lender in our... (read more) Latest Video Fmr. Cleveland Fed Pres. Mester: The Fed needs to keep both inflation & emp... Dallas Fed Manufacturing Production Index remains unchanged in October Fmr. Minneapolis Fed president: At least one more rate cut expected, but I’... Bond yields remain nearly unchanged on the week Around the Web CNBC What student loan borrowers need to know, as forgiveness resumes for two repayment plans Calculated Risk Blog Final Look at Housing Markets in September and a Look Ahead to October Sales Calculated Risk Blog Housing October 27th Weekly Update: Inventory Up 1.0% Week-over-week, New High for 2025 CNBC Bessent lists five finalists for Fed chair job and Trump says decision coming before the end of the year CNBC Treasury yields inch higher as investors await Fed's interest rate decision CNBC Everyone is waiting for Friday's big inflation report. Here's what to expect CNBC Inflation rate hit 3.0% in September, lower than expected, long-awaited CPI report shows CNBC Heres the inflation breakdown for September 2025 in one chart Investing.com Consumer Sentiment Drops Below Forecast, Signaling Potential Headwinds for USD S&P Global Flash US PMI signals strong start to fourth quarter Calculated Risk Blog Cost of Living Adjustment increases 2.8% in 2026, Contribution Base increased to $184,500 Calculated Risk Blog NMHC on Apartments: Market conditions "Soften" in Q3 CNBC Treasury yields move higher as investors await key inflation data

© 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. This email was sent to: [recipientemail]. Go here to UNSUBSCRIBE from this email.