30YR Fixed Rate
6.81%
+0.02%
15YR Fixed Rate
6.02%
+0.03%
UMBS 30YR 5.5
99.45
0.00
10 Year Treasury
4.400
-0.006
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The Consumer Financial Protection Bureau (CFPB) has issued an Advance Notice of Proposed Rulemaking (ANPR) regarding the expiration of the so-called GSE Patch. The provision is scheduled to expire no later than January 10, 2021. As background, the Dodd-Frank Consumer Protection and Wall Street Reform Act amended the Truth in Lending Act (TILA) to establish, among other things, ability-to-repay (ATR) requirements in connection with the origination of most residential mortgage loans. TILA identifies the factors a creditor must consider in making a reasonable and good faith assessment of that ability including the consumer's credit history, current and expected income, current obligations, debt-to-income (DTI) ratio, employment status, and other financial resources. A lender, however, may not
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July 26, 2019
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Housing News
CFPB Says Patch is Going Away but Asks "What Next?"
The Consumer Financial Protection Bureau (CFPB) has issued an Advance Notice of Proposed Rulemaking (ANPR) regarding the expiration of the so-called GSE Patch. The provision is scheduled to expire no later than January 10, 2021. As background, the Do... (read more)
Rob Chrisman
Appraisal, Sales Products; QM Patch and Non-QM News in the Primary and Secondary Markets
You should become, if you’re not already, familiar with the term “Advance Notice of Proposed Rulemaking (ANPR).” The Consumer Financial Protection Bureau issued an ANPR toward ending its special treatment for certain mortgages backe... (read more)
MBS Commentary
MBS Live Day Ahead: Is a New Trend Taking Shape?
In the day just passed, bonds gyrated in response to (and in anticipation of) updates from the European Central Bank (ECB).  Anticipation for a friendly announcement took rates lower in the overnight session, and the announcement itself confirme... (read more)
Housing News
Homeowner Vacancy Rate Lowest Since 1981
The U.S. homeownership rate in the second quarter dipped slightly from its level in both the first quarter of this year and one year earlier, but at 64.1 percent the Census Bureau said it was statistically unchanged. The rate hit a low of 62.9 in the... (read more)
Housing News
Refi Boom Helps to Slow Application Fraud
The incidence of mortgage application fraud declined in the second quarter according to CoreLogic. The company's Quarterly Mortgage Fraud Risk Index fell from 152 in the first quarter to 132 and is 11.4 percent lower than the 149 reading in the secon... (read more)
Mortgage Rate Watch
Big Week Ahead For Mortgage Rates
Mortgage rates edged just slightly higher today for the average lender, marking the 2nd day of weakness this week. In terms of the underlying bond market, however, today was purely an extension of yesterday's trading patterns that began shortly after... (read more)
Mortgage Rates
30 Yr. Fixed Rate
6.81% +0.02%
Rate Change Points
Mortgage News Daily
30 Yr. Fixed 6.81% +0.02 0.00
15 Yr. Fixed 6.02% +0.03 0.00
30 Yr. FHA 6.34% +0.05 0.00
30 Yr. Jumbo 6.90% +0.01 0.00
7/6 SOFR ARM 6.45% +0.10 0.00
30 Yr. VA 6.35% +0.05 0.00
Updates Daily - Last Update: 7/8
15 Yr. Fixed Rate
6.02% +0.03%
Rate Change Points
Freddie Mac
30 Yr. Fixed 6.67% -0.10 0.00
15 Yr. Fixed 5.80% -0.09 0.00
Updates Weekly - Last Update: 7/3
Rate Change Points
Mortgage Bankers Assoc.
30 Yr. Fixed 6.79% -0.09 0.62
15 Yr. Fixed 6.06% -0.05 0.67
30 Yr. Jumbo 6.78% -0.10 0.40
Updates Weekly - Last Update: 6/26
MBS / Treasuries
UMBS 30YR 5.5
99.46 +0.01
Price / Yield Change
MBS
UMBS 5.5 99.45 0.00
UMBS 6.0 101.33 0.00
GNMA 5.5 99.62 +0.00
GNMA 6.0 101.24 -0.01
Pricing as of: 7/9 4:35AM EST
10 Year US Treasury
4.3963 -0.0099
Price / Yield Change
US Treasury
2 YR Treasury 3.893 -0.002
5 YR Treasury 3.974 +0.004
7 YR Treasury 4.171 -0.003
10 YR Treasury 4.400 -0.006
30 YR Treasury 4.921 -0.007
Pricing as of: 7/9 4:35AM EST
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For Traders, Draghi Wasn't Dovish Enough as Rate Cut Priced In
© 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.
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Today's Mortgage Rates  |  Mortgage Calculators
7/8/2025
30 Yr. Fixed Rate
6.81%
+0.02%
0.00
MBS & Treasury Prices
UMBS 30YR 5.5
99.46
+0.01
10 Year US Treasury
98.826
+0.079
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