Shannon McAlister
Luminate Home Loans
M: (503) 516-8881
https://home-owners-pdx.com/
License:
NMLS 885982
MBS & US Treasury Markets
UMBS 5.0
97.16 -0.39
GNMA 5.0
97.74 -0.40
UMBS-15 5.0
99.95 -0.14
10 YR TREAS
4.613 +0.055
30 YR TREAS
5.100 +0.041
7/13 3:31:56PM 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, Jul 13 2026, 12:31 PM

MBS are now down 10 ticks (.31) with 6 (.19) of those being seen since lender rate sheet print times. As such, jumpier lenders are now in a position to consider negative reprices. 

10yr yields are up 5.6bps at 4.615

MBS Morning:
Weekend Weakness And Another Showdown With a Technical Ceiling
Alert:
Down an Eighth From AM Plateau
08:36 AM

Weaker overnight on renewed fighting in Iran. MBS down 6 ticks (.19) and 10yr up 3.1bps at 4.589

10:36 AM

Weakest levels after Hormuz headlines. MBS down a quarter point and 10yr up 3.6bps at 4.594

12:32 PM

Weakest levels after Waller comments. MBS down 11 ticks (.34) and 10yr up 5.6bps at 4.615

Shannon McAlister
Luminate Home Loans
M: (503) 516-8881
https://home-owners-pdx.com/
License:
NMLS 885982
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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.