Mortgage Rates Start Week at Another Long-Term Low

Mortgage rates have done almost nothing but move lower over the past 4 months. The first Fridays in August and September account for about half of the total drop thanks to weaker results in the jobs report. Since the September 5th jobs report, rates have held a sideways-to-slightly lower range that's resulted in several additional "lowest since" headlines. There's nothing special about today in that regard. Bonds (which dictate rates) happened to improve, so rates inched to another 11+ month low. Today's levels aren't appreciably different than last Friday's.  Volatility is a bigger risk over the next two days thanks to economic data tomorrow morning and the Fed announcement on Wednesday. 

September 15, 2025 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.25% -0.04%   6.11% 7.26% 15 Yr. Fixed 5.71% -0.01%   5.54% 6.59% 30 Yr. Jumbo 6.25% +0.00%   6.25% 7.45% Compare Mortgage Rates from Local Lenders for Sep 15, 2025 Mortgage Rates Start Week at Another Long-Term Low Mon, Sep 15, 2025 3:12PM Mortgage rates have done almost nothing but move lower over the past 4 months. The first Fridays in August and September account for about half of the total drop thanks to weaker results in the jobs report. Since the September 5th jobs report, rates have held a sideways-to-slightly lower range that's resulted in several additional "lowest since" headlines. There's nothing special about today in that regard. Bonds (which dictate rates) happened to improve, so rates inched to another 11+ month low. Today's levels aren't appreciably different than last Friday's.  Volatility is a bigger ris... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.25% -0.04 0.00 15 Yr. Fixed 5.71% -0.01 0.00 30 Yr. FHA 5.99% -0.01 0.00 30 Yr. Jumbo 6.25% 0.00 0.00 7/6 SOFR ARM 5.64% -0.01 0.00 30 Yr. VA 6.01% 0.00 0.00 Updates Daily - Last Update: 9/15 Freddie Mac Rate Change Points 30 Yr. Fixed 6.35% -0.15 0.00 15 Yr. Fixed 5.50% -0.10 0.00 Updates Weekly - Last Update: 9/11 Mortgage Bankers Assoc. 30 Yr. Fixed 6.49% -0.15 0.56 15 Yr. Fixed 5.70% -0.14 0.55 30 Yr. Jumbo 6.44% -0.14 0.48 Updates Weekly - Last Update: 9/10 UMBS 30YR 5.5 101.30 +0.17   97.47 101.61 UMBS 30YR 6.0 102.43 +0.03   99.66 102.50 10 YR Treasury 4.035 -0.032   3.621 4.780 Slow, Slightly Stronger Start to a Potentially Volatile Week Mon, Sep 15, 2025 11:25AM For all the time we spend pushing back on the notion that the Fed Funds Rate is a root cause for volatility in longer-term rates, that push-back always carries a notable caveat: Fed Funds Rate expectations definitely have a direct correlation with longer-term rates. There are two reasons those expectations can change: markets are either assuming the change... (read more) MBS Price Change UMBS 5.0 99.95 +0.32 UMBS 5.5 101.30 +0.17 UMBS 6.0 102.43 +0.03 GNMA 5.0 100.15 +0.15 GNMA 5.5 101.26 +0.13 GNMA 6.0 102.06 +0.05 Pricing as of: 9/15 3:36PM EST US Treasury Yield Change 2 YR Treasury 3.535 -0.018 5 YR Treasury 3.603 -0.028 7 YR Treasury 3.785 -0.030 10 YR Treasury 4.035 -0.032 30 YR Treasury 4.659 -0.022 Pricing as of: 9/15 3:36PM EST Other News Insurance Co. Investor, UAD 3.6, RON, Personal Branding Tools; TPO Product; Disaster News Mon, Sep 15, 2025 11:53AM “Someone posted that they had just made synonym buns. I replied, ‘You mean just like the ones that grammar used to make?’ I am now blocked.” That was sent to me by an economist; yes, they have senses of humor. Did you know that the Federal Reserve Board employs more than 500 researchers, including more than 400 Ph.D. economists, who represent an exceptionall... (read more) Latest Video Mortgage rates dip after 10-year yield drops below 4% Consumer prices rose at annual rate of 2.9% in August, as weekly jobless cl... Consumer sentiment comes in at 55.4 vs. 58.1 estimated Consumer spending pushed ahead in August, CNBC/NRF Retail Monitor finds Around the Web Eye on Housing Shelter Inflation Continued to Cool Calculated Risk Blog Housing September 15th Weekly Update: Inventory Up 1.6% Week-over-week Eye on Housing Builders Stay Cautious as Single-Family Permits Extend Downtrend CNBC My student loan servicer changed without my knowing. It may happen to you, too here's what to do Calculated Risk Blog 2nd Look at Local Housing Markets in August CNBC More consumers are using rent payments to boost their credit score. Here's what to know Calculated Risk Blog Part 2: Current State of the Housing Market; Overview for mid-September 2025 Marketwatch Consumer sentiment hits four-month low in September as lower- and middle-income Americans worry about jobs CNBC Treasury yields muted ahead of Federal Reserve's interest rate decision this week Calculated Risk Blog Q3 GDP Tracking Eye on Housing Household Real Estate Asset Values Reach New High CNBC How multifamily offices are playing commercial real estate MBA Why Preserving Competition Between Fannie Mae and Freddie Mac Matters

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