Steven Fishman
President
Buckeye Lending Solutions, Inc.
P: (239) 980-7588
M: (440) 773-9941
Buckeyelends.com
9990 Coconut Rd # 257
Bonita Springs Ohio / Florida 34135
License:
Company NMLS#1838265 LO NMLS#9362 OH LO.012547.001

Uneventful Resilience

Tuesday, July 22, 2025

Uneventful Resilience

Monday's theme for the bond market was one of moderate resilience--at least for the longer-end of the yield curve.  Yields are lower across the board (less so for shorter-term notes like the 2yr) without any headline or data-based motivations. On days like this, motivation is assumed to come from technicals and trading taking place in other markets for other reasons. With earnings season in full swing, it's no surprise to see 9:30am and 4pm garner most of the days volume and volatility.f

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Uneventful Resilience

MBS & Treasury Markets
UMBS 5.5 99.52 +0.14 10YR 4.333% -0.047% 7/22/2025 1:43PM EST
MBS Down an Eighth From Highs
This is more of a heads-up than a true reprice alert.  MBS are still up an eighth on the day and are only down 2 ticks (.06) from most lenders' rate sheet print times.  But any lenders who repriced at or near the highs of the day are now seeing an eighth of a point of weakness and thus could technically justify a reprice. 10yr yields are down 4.8bps at 4.371, but have crept several bps higher since noon. The best way to use this alert would be as a cue to lock...   READ MORE
MBS Morning:
Stronger Start on Another Quiet Calendar Week
MBS Morning:
Slow Green Friday
Today's Mortgage Rates
30YR Fixed 6.77% -0.01% 15YR Fixed 6.03% -0.01% 7/22/2025
Mortgage Rates Move Slightly Lower to Start New Week
Mortgage rates didn't move much on Monday, but they moved in the right direction with the average lender 0.03% lower for a top tier 30yr fixed scenario versus last Friday.  That makes this the 4th straight business day with a modest gain and it gets us back in line with the lowest rates since July 3rd. One fairly consistent theme this week will be the absence of the sort of high-impact economic data that is often responsible for rate volatility. Last week's key data w...   READ MORE
Last Week This Week Next Week
Economic Calendar
Time Event Period Actual Forecast Prior
Tuesday, Jul 22
8:30AM Fed Chair Powell Speech
1:00PM Fed Bowman Speech
Wednesday, Jul 23
7:00AM Jul/18 MBA Purchase Index Jul/18 159.6
7:00AM Jul/18 MBA Refi Index Jul/18 767.6
10:00AM Jun Existing home sales (ml) Jun 4.01M 4.03M
10:00AM Jun Exist. home sales % chg (%) Jun 0.8%
10:30AM Jul/18 Crude Oil Inventory (ml) Jul/18 -3.859M
1:00PM 20-Yr Bond Auction (bl) 13
Recent Housing News
Read My Latest Newsletter
Mixed Inflation Data Overshadowed by Headline Drama
7/18/2025 5:00PM
It was a hotly anticipated week, mainly due to the scheduled release of important inflation data on Tuesday, but the rate market almost got more than it bargained for thanks to unexpected headlines the following day. Tuesday’s Consumer Price Index (CPI) provided the first major, national glimpse of inflation in June. It was also the biggest opportunity yet to see whether ta... READ MORE
Mortgage Calculators
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-  Loan Comparison
-  Advanced Loan Comparison
-  Early Payoff
-  Should I Refinance?
-  Rent vs. Buy
-  Blended Rate
Steven Fishman
President
Buckeye Lending Solutions, Inc.
P: (239) 980-7588
M: (440) 773-9941
Buckeyelends.com
9990 Coconut Rd # 257
Bonita Springs Ohio / Florida 34135
License:
Company NMLS#1838265 LO NMLS#9362 OH LO.012547.001
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Reproduction or redistribution this newsletter, outside of the distribution services provided, is prohibited. Interest rate data provided in this newsletter are national averages. Rate/APR terms may differ. All information provided "as is" for informational purposes only.