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Mortgage Rates

Mortgage rates can change from day-to-day. Savvy mortgage shoppers keep up on interest rates and trends as they prepare to buy a home and secure their mortgage.

Our daily mortgage rates help you track trends in the national daily mortgage rates for 30-year and 15-year fixed-rate mortgages as well as trends in the 10-year Treasury rate.

10-Year Treasury Rate

Treasury Yield Curve As of July 25, 2021

Mortgage News Feed

  • Delinquencies Fall Below Pre-Great Recession Average
    The national delinquency rate dropped by 7.62 percent in June and is now 42.39 percent below its rate at the worst of the pandemic. Black Knight, in its monthly report, says the June rate, at 4.37 percent, was also back below its pre-Great Recession average. Still, there are 2.32 million… Read more »
  • Existing Home Sales Rise Slightly for the First Time in Four Months
    Existing home sales snapped a four-month losing streak in June. Sales of pre-owned single-family houses, townhouses, condominiums, and cooperative apartments, rose 1.4 percent on a seasonally adjusted annual basis to 5.86 million units, 22.9 percent higher than the 4.77 million rate in June 2020. Activity was higher month-over-month in three… Read more »
  • Purchase Mortgage Volume Continues to Weaken
    After a strong showing during the week ended July 9, mortgage application volume pulled back. The Mortgage Bankers Association's (MBA) Market Composite Index, a measure of that volume, decreased 4.0 percent on a seasonally adjusted basis during the week ended July 16 although it was 20 percent higher than the… Read more »
  • MBA Sees New Home Sales at 13 Month Low
    The Mortgage Bankers Association is projecting a sizeable decline in new home sales occurred last month as applications for their purchase declined 3 percent month-over-month and were 23.8 percent lower than in June 2020. The change does not include any seasonal adjustment. Based on the application data, gathered from its… Read more »
  • Housing Starts Continue to Improve as Permits Lose More Ground
    Housing starts posted a second straight increase in June while permits continued what has become a long, slow, slide. The U.S. Census Bureau and the Department of Housing and Urban Development said builders began construction on new homes at a seasonally adjusted annual rate of 1.643 million during the month,… Read more »
  • FannIe Mae Forecasts Home Price Growth, Existing Sales
    Like most recent economic forecasts, that one from Fannie Mae's Economic and Strategic Research (ESR) group for July continues to project a pull-back in recent inflation numbers. This time there seems to be a little hedging, but there is little of that in the housing portion of the report. According… Read more »
  • Builder Confidence Remains Strong Despite Challenges
    Strong buyer demand appears to be offsetting concerns about labor shortages and rising prices, keeping builder confidence near historic highs the National Association of Home Builders (NAHB) said on Monday. The NAHB/Wells Fargo Housing Market Index (HMI), a measure of that confidence in the new home market, was at 80… Read more »
  • Adverse Market Fee About to be History
    It is nice to end the week with good news, so here it is: The Federal Housing Finance Agency (FHFA) just announced it is eliminating the Adverse Market Refinance Fee that the GSEs Fannie Mae and Freddie Mac have been charging. The change becomes effective for loan deliveries on and… Read more »
  • Home Prices May be "Exhausting" Buyers
    The rapid run up in house prices may be starting to exhaust potential homebuyers according to the quarterly forecast from Freddie Mac's Economic and Housing Research (EHR) Group. The economists say recent indications are of softening demand in home purchase mortgage applications, and the pace of sales, while still elevated… Read more »
  • COVID Failed to Push Mortgage Applicants into the Digital World
    A set of special questions on a Q1 National Housing Survey asked consumers, who were also recent homebuyers, about their experiences obtaining a mortgage during the pandemic. Fannie Mae was a little surprised by some of the results. Tim McCallum and Jenney Shen, vice president's for customer management solutions in… Read more »
  • Policy Changes Make Getting a Mortgage Slightly Harder
    There was a significant loss of credit access in June. The Mortgage Bankers Association (MBA) says its Mortgage Credit Availability Index (MCAI) fell by 8.5 percent month-over-month to 118.8, its lowest level in nine months. A decline in the MCAI indicates that lending standards are tightening, while increases in the… Read more »
  • Mortgage Application Volume Bounces Back, Refi Share up 20%
    Mortgage application volume during the week ended July 9 featured the largest weekly increase since the first full week of 2021. The Mortgage Bankers Association (MBA)said its Market Composite Index, a measure of that volume, rose 16.0 percent on a seasonally adjusted basis. Like the week ended January 8, last… Read more »
  • May's Purchase Share Hit 15-Month High
    The share of mortgages originated for home purchases hit its highest level since February of 2020 in May. ICE Mortgage Technology's Origination Insight Report for the month put the share at 47 percent, four points higher  than in April. The conventional share of originations dipped from 81 percent in April… Read more »
  • Forbearances See Largest Improvement to Date
    There was, as expected, a huge improvement in the number of forbearance plans during the week ended July 6. Black Knight reports that the number of homeowners in plans dropped by 189,000. This brought the total to 1.86 million, 3.5 percent of all active mortgages. This is the first time… Read more »
  • Attitudes About Buying and Selling Continue to Diverge
    Fannie Mae said "Consumers are increasingly adamant that it's a good time to sell, bad time to buy a home" as it released its June Home Purchase Sentiment Index (HPSI). The index, based on the company's monthly National Housing Survey, shows a growing difference in the number of consumers who… Read more »
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