With another holiday closure on deck and light calendar of events, the rate market is off to another uneventful start this week. In fact, the average lender barely budged from last Friday. But it was enough for MND's 30yr fixed rate index to tick down by 0.01%. This is the lowest level since October 28th--just barely edging out the lows seen on November 25th. There were only 5 days in November and one day in September with lower rates.  Before that, you'd have to go back to September 2024 to see anything lower. As always, there's never any way to know what's next for rates. The outcome of next week's economic data could certainly have a say in that. What we do know is that the present zone has been a recurring lower boundary for the range going all the way back to late 2022.

December 29, 2025 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.19% -0.01%   6.13% 7.26% 15 Yr. Fixed 5.74% +0.00%   5.6% 6.59% 30 Yr. Jumbo 6.37% -0.03%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Dec 29, 2025 New 2-Month Lows, Just Barely Mon, Dec 29, 2025 3:31PM With another holiday closure on deck and light calendar of events, the rate market is off to another uneventful start this week. In fact, the average lender barely budged from last Friday. But it was enough for MND's 30yr fixed rate index to tick down by 0.01%. This is the lowest level since October 28th--just barely edging out the lows seen on November 25th. There were only 5 days in November and one day in September with lower rates.  Before that, you'd have to go back to September 2024 to see anything lower. As always, there's never any way to know what's next for rates. The outcome ... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.19% -0.01 0.00 15 Yr. Fixed 5.74% 0.00 0.00 30 Yr. FHA 5.83% -0.02 0.00 30 Yr. Jumbo 6.37% -0.03 0.00 7/6 SOFR ARM 5.72% -0.06 0.00 30 Yr. VA 5.85% -0.02 0.00 Updates Daily - Last Update: 12/29 Freddie Mac Rate Change Points 30 Yr. Fixed 6.18% -0.03 0.00 15 Yr. Fixed 5.50% +0.03 0.00 Updates Weekly - Last Update: 12/24 Mortgage Bankers Assoc. 30 Yr. Fixed 6.33% +0.01 0.60 15 Yr. Fixed 5.71% -0.02 0.64 30 Yr. Jumbo 6.46% +0.06 0.35 Updates Weekly - Last Update: 12/10 UMBS 30YR 5.0 99.90 -0.04   95.05 100.11 UMBS 30YR 5.5 101.48 -0.06   97.47 101.48 10 YR Treasury 4.117 +0.010   3.932 4.780 Mostly Sideways Despite Some Help From Europe Mon, Dec 29, 2025 10:26AM In addition to this week's holiday closure (early close Wednesday, fully closed Thursday),  the econ calendar is also lacking in terms of potential sources of volatility. A majority of any meaningful momentum is most likely to come from month/quarter/year-end trading today and tomorrow, but think of that more like a caveat for any incidental moveme... (read more) MBS Price Change UMBS 4.5 97.80 -0.05 UMBS 5.0 99.90 -0.04 UMBS 5.5 101.48 -0.06 GNMA 4.5 97.54 -0.05 GNMA 5.0 99.89 -0.09 GNMA 5.5 101.07 -0.02 Pricing as of: 12/30 4:46AM EST US Treasury Yield Change 2 YR Treasury 3.457 +0.027 5 YR Treasury 3.675 +0.032 7 YR Treasury 3.884 +0.030 10 YR Treasury 4.117 +0.010 30 YR Treasury 4.806 +0.010 Pricing as of: 12/30 4:46AM EST Other News Pricing Product; 2026 In-Person Events Kick Off Soon; Fraud Continues, Take Your Own Exams! Mon, Dec 29, 2025 11:48AM Some percentage of readers reading today’s Commentary are doing so from an airport in the Northeast, waiting for their delayed flight to depart. Whether manmade or natural, climate change and weather “occurrences” are a fact of life, and can’t be corrected with technology, but data is certainly used in predicting weather. Vendors and lenders think about data... (read more) Latest Video How tariff inflation may help jobs Initial jobless claims come in at 214,000 for the week of December 20 Growth forecasts continue to be moderate if not better than that, says Stan... Industrial production increased in November Around the Web Eye on Housing Top Posts Inadequate Shelter: Millions of U.S. Homes Fail to Meet Standards Calculated Risk Blog Housing December 29th Weekly Update: Inventory Down 2.9% Week-over-week CNBC 10-year Treasury yield dips as investors assess interest rate outlook for 2026 Calculated Risk Blog NAR: Pending Home Sales Increased 3.3% in November; Up 2.6% YoY Calculated Risk Blog Fannie Mae Multi-Family Delinquency Rate Almost to Housing Bust High Calculated Risk Blog Question #7 for 2026: How much will wages increase in 2026? Eye on Housing Top Posts Most Home Builders are Small Businesses Realtor.com Home Insurance Is Up Nearly 70%These Tips Can Help You Save in 2026 Eye on Housing Top Posts Manufactured Homes: An Alternative Means of Housing Supply Calculated Risk Blog Question #8 for 2026: How much will Residential investment change in 2026? How about housing starts and new home sales in 2026? Calculated Risk Blog MBA: Mortgage Applications Decrease in Latest Weekly Survey FXStreet US weekly Initial Jobless Claims decline to 214,000 vs. 223,000 expected CNBC Asia markets set to open higher with holiday-thinned trade

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