John "Demo" Lender
VP of Lending
Demo Mortgage Co.
P: (704) 555-1212
M: (407) 555-1234
mbslive.net
10014 Normal Blvd.
Suite B225
Charlotte NC 28044
License:
NMLS: 123456

Solid AM Gains Stick Around All Day

Tuesday, July 22, 2025

Solid AM Gains Stick Around All Day

Bonds improved in the morning following comments from Bessent that gave the markets more insight to his role in defusing last week's frenzy over the potential ouster. In short, he's the voice of reason and the bond market likes that. Additional gains came courtesy of 9:30am NYSE tradeflows.  At the time, stocks were sinking. Then in the afternoon, stocks rebounded without pulling bond yields higher.

Latest Video Analysis

AM Gains Remain Despite Stock Market Reversal

MBS & Treasury Markets
UMBS 5.5 99.51 +0.13 10YR 4.344% -0.036% 7/22/2025 5:00PM EST
Bonds Approve of Bessent Comments and Stock Volatility
While stock market volatility may be a drop in the bucket in the bigger picture, earnings season tends to increase volume and liquidity .  This can spill over to the bond market in unpredictable ways, but so far this week, it's been helpful--especially at the 9:30am NYSE open. A few hours before that, bonds moved into positive territory following a series of comments from Bessent.  Topics included trade negotiations and Fed Chair Powell. Bessent doesn't see a need ...   READ MORE
Alert:
MBS Down an Eighth From Highs
MBS Morning:
Stronger Start on Another Quiet Calendar Week
Today's Mortgage Rates
30YR Fixed 6.77% -0.01% 15YR Fixed 6.03% -0.01% 7/22/2025
Mortgage Rates Inch Down to 2-Week Lows
Last week, we got a sneak preview of how the market would react to Fed Chair Powell ending his term early. In a nutshell, only the shortest-term rates would improve while most consumer rates would move higher--including mortgages. This isn't conjecture, but rather the actual response in the bond market (bonds dictate interest rates ).  Thankfully, the response reversed after Trump said he wasn't planning on firing Powell. Nonetheless, doubt remains as to whether Powel...   READ MORE
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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 -1.4M -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
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John "Demo" Lender
VP of Lending
Demo Mortgage Co.
P: (704) 555-1212
M: (407) 555-1234
mbslive.net
10014 Normal Blvd.
Suite B225
Charlotte NC 28044
License:
NMLS: 123456
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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.