Matthew M. Loan
Senior Loan Officer
Mortgage Company, LLC.
P: (704) 867-5309
M: (980) 867-5309
mbslive.net
1050 W. Main St.
Suite 104-A
Charlotte NC 28031
License:
NMLS: #987654321
MBS & US Treasury Markets
UMBS 5.5
99.66 +0.01
GNMA 5.5
100.00 -0.03
UMBS-15 5.0
99.98 +0.02
10 YR TREAS
4.590 -0.003
30 YR TREAS
5.117 +0.004
7/21 5:01:59AM EST : Delayed Data
30YR UMBS 5.5 30YR GNMA 5.5 15YR UMBS 5.0 10 Year Treasury 30 Year Treasury
Negative Reprice Risk Increasing
Mon, Jul 20 2026, 11:40 AM

MBS are down just under a quarter point on the day and 6 ticks (.19) from some early lenders' rate sheet print times. As such, the jumpier lenders could already be considering negative reprices. 

10yr yields are up 4.7bps to 4.593--the weakest level of the day. 

There are no specific, new motivations for the selling--just a gradual trend throughout the AM hours so far. 

MBS Morning:
No Major Data Leaves Bonds to Trade on Vibes
Alert:
MBS at Lows of The Day
Matthew M. Loan
Senior Loan Officer
Mortgage Company, LLC.
P: (704) 867-5309
M: (980) 867-5309
mbslive.net
1050 W. Main St.
Suite 104-A
Charlotte NC 28031
License:
NMLS: #987654321
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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.