Shannon McAlister
Luminate Home Loans
M: (503) 516-8881
https://home-owners-pdx.com/
License:
NMLS 885982
MBS & US Treasury Markets
UMBS 5.5
99.30 -0.17
GNMA 5.5
99.78 -0.05
UMBS-15 5.0
99.65 -0.12
10 YR TREAS
4.670 +0.062
30 YR TREAS
5.198 +0.108
7/29 3:58:44PM EST : Delayed Data
30YR UMBS 5.5 30YR GNMA 5.5 15YR UMBS 5.0 10 Year Treasury 30 Year Treasury
Lenders Who Dropped Rates After Fed May Need to Reprice
Wed, Jul 29 2026, 3:46 PM

The post-Fed move looked clear enough. MBS rallied more than 3/8ths of point in fairly short order. A few lenders responded with a logical positive reprice. MBS are now down a quarter point from the highs. Some of those lenders are now in a position to consider negative reprices.

More on the underlying reasons for reversal in today's forthcoming recap commentary and video...

Commentary:
Here's What Changed in The New Fed Announcement
Alert:
New Lows
08:49 AM

Logically weaker overnight as Iran fighting resumes. MBS down an eighth and 10yr up 2bps at 4.628

12:08 PM

Weakest levels. MBS down 7 ticks (.22) and 10yr up 4.1bps at 4.648

02:02 PM

First move is stronger after Fed holds rates. MBS approaching unchanged levels and 10yr still up 1.4bps on the day at 4.62

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.