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6.15%
-0.02%
15YR Fixed Rate
5.72%
-0.03%
UMBS 30YR 5.0
100.05
+0.01
10 Year Treasury
4.213
+0.033
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The National Association of Home Builders (NAHB) and Wells Fargo publish the Housing Market Index (HMI) each month. The industry refers to this as "builder confidence" and December's number came out today. It was right in line with November's, and it suggests builders are increasingly honing in on a relatively gloomy baseline in the bigger picture. There are several ways to approach the languishing of the index, with the easiest being some combination of single family construction (which capture the initial drop in 2022) and multi-family construction (which, along with persistently high rates, helps explain why the index may not have recovered). Both are charted below. Ultimately, actual construction figures are a better indicator of the housing market than sentiment surveys, but the latter can offer some insight to trends and future opportunities.  On that note, the component of the builder survey that tracks the outlook for 6 months into the future continues moving to the highest levels since 2022.  As seen the following chart, it's less "sideways" and better described as gently trending higher. Other highlights from today's release: 31% of builders cut prices in December, vs 31% in Nov Average price reduction was also unchanged at 5% Sales incentives were used in 60% of transactions, also unchanged from Nov
MND logo
December 17, 2024
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30 Yr. Fixed
6.15% -0.02%  
6.01%
7.13%
15 Yr. Fixed
5.72% -0.03%  
5.55%
6.5%
30 Yr. Jumbo
6.33% -0.02%  
6.1%
7.45%
Compare Mortgage Rates from Local Lenders for Dec 17, 2024
Mortgage Rates Effectively Unchanged Ahead of Fed Announcement
Tue, Dec 17, 2024 3:36PM
Mortgage rates have been having a much calmer week compared to last week.  Monday brought a modest decline versus last Friday and today's rates are effectively unchanged.  While the average lender is still noticeably higher compared to the first few days of the month, this resilience helps make a case that rates aren't eager to revisit the higher levels seen during most of November. Volatility could increase tomorrow afternoon following the Fed's rate announcement.  As a reminder, the Fed DOES NOT set mortgage rates and a Fed rate cut DOES NOT mean mortgage rates will go down ... (read more)
Mortgage News Daily Rate Change Points
30 Yr. Fixed 6.15% -0.02 0.00
15 Yr. Fixed 5.72% -0.03 0.00
30 Yr. FHA 5.75% -0.05 0.00
30 Yr. Jumbo 6.33% -0.02 0.00
7/6 SOFR ARM 5.56% -0.03 0.00
30 Yr. VA 5.77% -0.04 0.00
Updates Daily - Last Update: 2/6
Freddie Mac Rate Change Points
30 Yr. Fixed 6.11% +0.01 0.00
15 Yr. Fixed 5.50% +0.01 0.00
Updates Weekly - Last Update: 2/5
Mortgage Bankers Assoc.
30 Yr. Fixed 6.24% +0.08 0.55
15 Yr. Fixed 5.64% +0.09 0.61
30 Yr. Jumbo 6.34% -0.05 0.40
Updates Weekly - Last Update: 1/28
UMBS 30YR 5.0
100.05 +0.01  
95.71
100.50
UMBS 30YR 5.5
101.49 +0.04  
98.11
101.64
10 YR Treasury
4.213 +0.033  
3.932
4.608
Calm and Resilient as Bonds Wait For Powell and The Dot Plot
Tue, Dec 17, 2024 3:58PM
Calm and Resilient as Bonds Wait For Powell and The Dot Plot Whereas last week saw the bond market continue selling off without overt provocation, the first two days of the present week have seen far more equanimity and even resilience. Today's example involved a modest rally following a mixed bag of Retail Sales dat... (read more)
MBS Price Change
UMBS 4.5 98.06 +0.03
UMBS 5.0 100.05 +0.01
UMBS 5.5 101.49 +0.04
GNMA 4.5 97.84 +0.10
GNMA 5.0 100.18 +0.11
GNMA 5.5 101.22 -0.02
Pricing as of: 2/7 10:15AM EST
US Treasury Yield Change
2 YR Treasury 3.496 +0.044
5 YR Treasury 3.753 +0.036
7 YR Treasury 3.965 +0.026
10 YR Treasury 4.213 +0.033
30 YR Treasury 4.851 +0.006
Pricing as of: 2/7 10:15AM EST
Other News
Builder Confidence Remains Low, But Sales Expectations Are Increasing
Tue, Dec 17, 2024 3:24PM
The National Association of Home Builders (NAHB) and Wells Fargo publish the Housing Market Index (HMI) each month. The industry refers to this as "builder confidence" and December's number came out today. It was right in line with November's, and it suggests builders are increasingly honing in on a relatively gloomy baseline in the bigger picture. There ... (read more)
DPA, Subservicing, Pricing, AVM Products; USDA and VA News; Monetary Policy and Year-End
Tue, Dec 17, 2024 11:20AM
Number progressions can be deceiving and surprising. Thank you to Eric D. who reminded me of “The Wheat and the Chessboard” example, guaranteed to surprise anyone. What is also surprising is that between 2022 and 2023, the Hispanic population accounted for nearly 71 percent of the overall growth of the United States population, driven primarily by Hispanic b... (read more)
Latest Video
The Fed needs to wait to cut, says Bleakley’s Peter Boockvar
Former Kansas City Fed Pres. Esther George: I would not cut rates this week
Retail sales rose 0.7% in November, better than expected
Builder sentiment in December remains unchanged from November
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Eye on Housing
Builder Confidence Steady but Signs of Future Optimism in 2025
Marketwatch
Retail sales jump on strong auto and Internet receipts. U.S. economy stays strong.
CNBC
The Fed is likely to cut rates, but some worry it may not be the right move, CNBC survey found
Calculated Risk Blog
Lawler: Early Read on Existing Home Sales in November
Calculated Risk Blog
3rd Look at Local Housing Markets in November
Calculated Risk Blog
Industrial Production Decreased 0.1% in November
CNBC
Treasury yields inch higher as investors look to economic data ahead of Fed rate decision
Eye on Housing
Single-Family Permits Up in October 2024
Eye on Housing
U.S. Trade Deficit: Balancing Act Still Yet to Appear
© 2026  Mortgage News Daily, LLC. | 19701 Bethel Church Rd. | Cornelius, NC 28031
Interest rates displayed are national averages and for informational purposes only. Actual rates from lenders may vary based on several factors including, but not limited to, credit worthiness, ability to replay, credit score, down payment, loan term, etc.
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Today's Mortgage Rates  |  Mortgage Calculators
2/6/2026
30 Yr. Fixed Rate
6.15%
-0.02%
0.00
MBS & Treasury Prices
UMBS 30YR 5.0
100.05
+0.01
10 Year US Treasury
98.273
-0.267
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