Cardinal Mortgage Services
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MBS & US Treasury Markets
UMBS 5.0
100.20 -0.29
GNMA 5.0
100.04 -0.16
UMBS-15 5.0
101.51 -0.03
10 YR TREAS
4.183 +0.012
30 YR TREAS
4.836 +0.021
1/12 3:26:57PM EST : Delayed Data
30YR UMBS 5.0 30YR GNMA 5.0 15YR UMBS 5.0 10 Year Treasury 30 Year Treasury
Negative Reprice Risk Increasing
Mon, Jan 12 2026, 2:49 PM

MBS are now down just over a quarter point on the day and at least 5 ticks (.16) from most lenders' rate sheet print times. Jumpier lenders could be considering negative reprices.

10yr yields are up 1.5bps at 4.186. 

MBS Morning:
Bond Market Only Marginally Interested in Powell Drama For Now
Alert:
Heads Up: MBS Still Stronger But Well Off The Highs
08:54 AM

Moderately weaker overnight but holding inside the range. 10yr up 1.9bps at 4.19. MBS down an eighth of a point.

11:56 AM

No reaction to 3yr Treasury auction.  10yr up less than 1bp at 4.18 and MBS down just over an eighth of a point.

02:49 PM

MBS down 9 ticks (.28) and 10yr up 1.5bps at 4.186

Cardinal Mortgage Services
cardinal-mtg.com
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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.