Today's mortgage rates a just a hair higher than yesterday's and although yesterday's rates were reasonably close to last Friday's, they were still definitely higher. That last assertion is at odds with some of the mortgage rate media coverage you may encounter today, but there's a logical reason. Freddie Mac releases its weekly mortgage rate survey every Thursday. It consists of an average of the rates from each of the previous 5 business days (Thursday through Wednesday). Thus, by the time it is reported, it is a fairly stale indication of rate movement if there's been any reasonable amount of volatility.  In the case of the current week, Monday and Tuesday saw rates move meaningfully higher from last week. Even after yesterday's recovery, the average lender is still slightly higher than any day last week apart from Monday.  As always, keep in mind that consistent daily coverage of mortgage rates mean that qualitative words like "higher and lower" may sound more serious than they are. For context, rates haven't drifted outside a 0.25% range for the past 3 months. Over the past 2 weeks, the range has been half that. [thirtyyearmortgagerates]

December 4, 2025 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.24% +0.01%   6.13% 7.26% 15 Yr. Fixed 5.76% +0.01%   5.6% 6.59% 30 Yr. Jumbo 6.39% +0.01%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Dec 4, 2025 Mortgage Rates Are Actually Higher This Week Thu, Dec 4, 2025 3:46PM Today's mortgage rates a just a hair higher than yesterday's and although yesterday's rates were reasonably close to last Friday's, they were still definitely higher. That last assertion is at odds with some of the mortgage rate media coverage you may encounter today, but there's a logical reason. Freddie Mac releases its weekly mortgage rate survey every Thursday. It consists of an average of the rates from each of the previous 5 business days (Thursday through Wednesday). Thus, by the time it is reported, it is a fairly stale indication of rate movement if there's been any reasonable amount... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.24% +0.01 0.00 15 Yr. Fixed 5.76% +0.01 0.00 30 Yr. FHA 5.86% +0.01 0.00 30 Yr. Jumbo 6.39% +0.01 0.00 7/6 SOFR ARM 5.82% +0.05 0.00 30 Yr. VA 5.87% +0.01 0.00 Updates Daily - Last Update: 12/4 Freddie Mac Rate Change Points 30 Yr. Fixed 6.19% -0.04 0.00 15 Yr. Fixed 5.44% -0.07 0.00 Updates Weekly - Last Update: 12/4 Mortgage Bankers Assoc. 30 Yr. Fixed 6.37% +0.03 0.62 15 Yr. Fixed 5.83% +0.13 0.69 30 Yr. Jumbo 6.39% -0.07 0.42 Updates Weekly - Last Update: 11/19 UMBS 30YR 5.0 99.59 -0.19   95.05 100.11 UMBS 30YR 5.5 101.16 -0.13   97.47 101.40 10 YR Treasury 4.107 +0.044   3.932 4.780 Lowest Initial Jobless Claims Reading Since 2022 Thu, Dec 4, 2025 8:53AM Bonds were already slightly weaker in the overnight session, but the Jobless Claims data won't be any help.  Initial claims fell to 191k--the lowest they've been since 2022 and one of the lowest readings since the 1960s. An isolated extreme in weekly data isn't worth as much market drama as a similarly extreme result in something like the big jobs repor... (read more) MBS Price Change UMBS 4.5 97.55 -0.26 UMBS 5.0 99.66 -0.12 UMBS 5.5 101.15 -0.13 GNMA 4.5 97.46 -0.25 GNMA 5.0 99.77 -0.11 GNMA 5.5 100.94 -0.04 Pricing as of: 12/4 4:21PM EST US Treasury Yield Change 2 YR Treasury 3.529 +0.039 5 YR Treasury 3.681 +0.050 7 YR Treasury 3.876 +0.050 10 YR Treasury 4.107 +0.044 30 YR Treasury 4.764 +0.033 Pricing as of: 12/4 4:21PM EST Other News Home Value, Due Diligence, AVM, Refi Products; Extensive HELOC, DSCR, Non-QM Product Changes Thu, Dec 4, 2025 11:39AM “No plan survives contact with the enemy.” While Freddie rolled out its AI plans, for some lenders, mortgage companies owned by builders, and the builders themselves, can sometimes be viewed as adversaries. In dealing with buyers of new homes, builders and their lender arm often adjust seller credits, par rates, and buy down programs. Builders, of course, do... (read more) Latest Video Jobless claims slide to lowest level since September 2022 U.S. 10-year yield hits 4.11% New rental housing supply pushes vacancies up while lowering rent Watch CNBC's full interview with U.S. Commerce Secretary Howard Lutnick Around the Web Realtor.com Buyers Gain Negotiating Leverage on Sale Price as Home Listings Rise Eye on Housing Number of Bathrooms in New Single-Family Homes in 2024 Marketwatch Americans will spend a record $20 billion via buy-now-pay-later during the holidays. Eye on Housing House Price Appreciation by State and Metro Area: Third Quarter 2025 DOL Initial jobless claims fall, beating forecasts and previous figures Calculated Risk Blog Q3 Update: Delinquencies, Foreclosures and REO CNBC Treasury yields inch higher as traders continue to bet on a December rate cut Calculated Risk Blog Asking Rents Soft Year-over-year Investing Live Jobs survey from Revelio Labs sees 9K US job losses in November US News US Factory Orders Rise Less Than Expected in September ISM Economic activity in the services sector continued to expand in November at 52.6% Calculated Risk Blog Light Vehicle Sales Increased to 15.6 Million SAAR in October Calculated Risk Blog Cotality: House Price Growth Slowed to 1.1% YoY in October

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