Paul Gowen
Broker/Owner
Willamette Falls Financial
P: (503) 922-1499
M: (503) 381-0736
www.willamettefallsfinancial.com
4800 Meadows Rd
Suite 300
Lake Oswego OR 97035
License:
272830
MBS & US Treasury Markets
UMBS 5.5
99.61 -0.25
GNMA 5.5
99.98 -0.20
UMBS-15 5.0
99.83 -0.28
10 YR TREAS
4.604 +0.058
30 YR TREAS
5.118 +0.048
7/20 12:54:42PM 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
09:17 AM

modestly weaker overnight. MBS down 1 tick (.03) and 10yr up 2.1bps at 4.567

11:41 AM

MBS down 7 ticks (.22) and 10yr up 4.7bps at 4.593

Paul Gowen
Broker/Owner
Willamette Falls Financial
P: (503) 922-1499
M: (503) 381-0736
www.willamettefallsfinancial.com
4800 Meadows Rd
Suite 300
Lake Oswego OR 97035
License:
272830
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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.