Market Wrap-up

Our benchmark FNMA MBS 5.500 July Coupon is down just -3 BPS at 2:50 PM ET.

There were no domestic events today.

Texas Tea, Black Gold: WTI Oil dropped 59 cents to $71.46.

Rates spent the morning unchanged, this afternoon edged up slightly. Crude oil fractionally lower. No news about Iran. Interest rates increased this week, driven by more Iranian and US attacks pushing crude higher and fears of inflation increasing. This weekend focus on any news coming from the mid-east.

Next week Iran will continue to hold much of the focus, Trump can’t decide if Iran is willing to make a deal satisfying the US or what the US will do moving forward. Talking tough but acting cautiously. Although Iran continues to get the daily headlines, the Fed rate hikes lurk in the background.

There wasn’t much economic data this week but next week has a lot to chew on. Monday the June Treasury budget. Tuesday June CPI. Wednesday June PPI, MBA apps., Fed Beige Book. Thursday June retail sales, weekly jobless claims, July NAHB housing market index, June pending home sales. Friday June housing starts and building permits, June import and export prices, June industrial production and capacity utilization, mid-month U. of Michigan consumer sentiment index.

This Week: 10 year note this week +8 bps, the 2 year note +7 bps. FNMA 5.5 30 year coupon -46 bps. The DJIA this week -263, NASDAQ +449, S&P +92. Gold -$17.00, crude oil +$3.09. The dollar index +0.08, bitcoin +2,359.

PRICES @ 4:00 PM

10 year note: 4.56% +1 bp

5 year note: 4.31% +3 bp

2 year note: 4.21% +2 bp

30 year bond: 5.07% unch

30 year FNMA 5.5: 99.80 -10 bp (-7 bp from 9:30 am)

30 year FNMA 6.0: 101.69 -4 bp (-2 bp from 9:30 am)

30 year GNMA 5.5: 100.27 unch (+9 bp from 9:30 am)

Dollar/Yen: 161.73 -0.65 yen

Dollar/Euro: $1.1418 -$0.0013

Dollar Index: 100.96 +0.06

Gold: $4,109.90 -$30.90

Bitcoin: 63,900 +799

Crude Oil: $71.54 -$0.54

DJIA: 52,637.13 +149.72

NASDAQ: 26,281.61 +74.72

S&P 500: 7575.29 +31.65

SOFR Data 07/10: 30-DAY AVERAGE(%): 3.63175, 90-DAY AVERAGE(%): 3.63382, 180-DAY AVERAGE(%): 3.66785, INDEX: 1.25036103

Poland

Name, not sorted	Value, not sorted	Change, not sorted	% Change, not sorted	1 Month, not sorted	1 Year, not sorted	Time (EDT), not sorted
WIG20:IND WIG 20	3,769.50	83.47	2.26%	4.65	32.24%	11:15 AM
WIG:IND WSE WIG INDEX	142,198.80	2,757.10	1.98%	5.91	35.53%	11:15 AM
WIG30:IND WIG30	4,773.34	99.09	2.12%	4.49	29.23%	11:15 AM

WALUTY

Currency, not sorted Value, not sorted Change, not sorted Net Change, not sorted Time (EDT), not sorted EUR-USD   1.1416 0.00 0.12% 3:22 PM USD-JPY   161.7100 0.67 0.41% 3:22 PM GBP-USD   1.3397 0.00 0.08% 3:22 PM AUD-USD   0.6952 0.00 0.16% 3:22 PM USD-CAD   1.4155 0.00 0.09% 3:22 PM USD-CHF   0.8086 0.00 0.20% 3:21 PM

USD-CZK   21.2397 0.02 0.09% 3:24 PM USD-SKK   26.3888 0.03 0.12% 3:24 PM USD-PLN   3.7922 0.00 0.07% 3:23 PM USD-HUF   311.6800 0.81 0.26% 3:24 PM USD-RUB   76.9812 0.70 0.92% 2:22 PM

USD-MXN   17.4795 0.07 0.38% 3:27 PM     OBLIGACJE I OPROCENTOWANIA

30 Yr. Fixed 6.64% -0.01% 5.99% 6.85% 15 Yr. Fixed 6.19% -0.01% 5.55% 6.25% 30 Yr. Jumbo 6.82% +0.00% 6.1% 6.93%

Compare Mortgage Rates from Local Lenders for Jul 10, 2026

Mortgage Rates End Week Roughly Unchanged Fri, Jul 10, 2026 2:39PM Rates are based on bonds and bonds have been taking cues from oil prices this week. Oil was flat overnight, bringing bonds along for the sideways ride. As such, the average mortgage lender began the day almost perfectly in line with yesterday’s latest levels.  All that having been said, bonds experienced some of their own weakness in the afternoon, independent from oil prices (which continued sideways to slightly lower). Some mortgage lenders may choose to raise rates a bit before the end of businesses.  Those who don’t will instead have to adjust for this market movement on Monday … (read more)

Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.64% -0.01 0.00 15 Yr. Fixed 6.19% -0.01 0.00 30 Yr. FHA 6.21% -0.02 0.00 30 Yr. Jumbo 6.82% 0.00 0.00 7/6 SOFR ARM 6.23% -0.02 0.00 30 Yr. VA 6.23% -0.02 0.00 Updates Daily – Last Update: 7/10   Freddie Mac Rate Change Points 30 Yr. Fixed 6.49% +0.06 0.00 15 Yr. Fixed 5.82% +0.03 0.00 Updates Weekly – Last Update: 7/9   Mortgage Bankers Assoc. 30 Yr. Fixed 6.58% +0.01 0.64 15 Yr. Fixed 5.99% -0.01 0.71 30 Yr. Jumbo 6.50% -0.02 0.42 Updates Weekly – Last Update: 7/8

UMBS 30YR 5.0 97.59 -0.10 96.76 100.50 UMBS 30YR 5.5 99.80 -0.07 98.96 101.64 10 YR Treasury 4.566 +0.012 3.948 4.668

Empty Calendar Leaves Focus on War Headlines Fri, Jul 10, 2026 10:05AM The entire week has been a study in the rekindled love affair between bond yields and oil prices. The latter is fairly flat versus yesterday’s latest levels, so it’s no surprise to see bonds in the same position. Without anything of note on the econ calendar today, there’s no reason to expect any catalyst to have more potential impact than war-related headli… (read more)

MBS Price Change UMBS 4.5 95.13 -0.16 UMBS 5.0 97.59 -0.10 UMBS 5.5 99.80 -0.07 GNMA 4.5 95.35 -0.02 GNMA 5.0 98.13 -0.08 GNMA 5.5 100.29 -0.04 Pricing as of: 7/10 3:01PM EST   US Treasury Yield Change 2 YR Treasury 4.210 +0.029 5 YR Treasury 4.308 +0.032 7 YR Treasury 4.428 +0.017 10 YR Treasury 4.566 +0.012 30 YR Treasury 5.069 +0.003 Pricing as of: 7/10 3:01PM EST

 

POŻYCZKI HIPOTECZNE

 

ELITE 21-30 YEAR				ELITE 16-20 YEAR
RATE	15 DAY	30 DAY	45 DAY	RATE	15 DAY	30 DAY	45 DAY
7.625	-3.885	-3.795	-3.665	7.625	-3.749	-3.659	-3.529
7.500	-3.541	-3.451	-3.321	7.500	-3.407	-3.317	-3.187
7.375	-3.007	-2.917	-2.787	7.375	-2.939	-2.849	-2.719
7.250	-2.444	-2.354	-2.224	7.250	-2.387	-2.297	-2.167
7.125	-2.530	-2.440	-2.310	7.125	-2.509	-2.419	-2.289
6.999	-2.182	-2.092	-1.962	6.999	-2.101	-2.011	-1.881
6.875	-1.625	-1.535	-1.405	6.875	-1.617	-1.527	-1.397
6.750	-1.011	-0.921	-0.791	6.750	-1.034	-0.944	-0.814
6.625	-1.219	-1.129	-0.999	6.625	-1.134	-1.044	-0.914
6.500	-0.804	-0.714	-0.584	6.500	-0.807	-0.717	-0.587
6.375	-0.152	-0.062	0.068	6.375	-0.226	-0.136	-0.006
6.250	0.542	0.632	0.762	6.250	0.370	0.460	0.590
6.125	0.445	0.535	0.665	6.125	0.493	0.583	0.713
5.999	0.986	1.076	1.206	5.999	0.934	1.024	1.154
5.875	1.759	1.849	1.979	5.875	1.506	1.596	1.726
5.750	2.582	2.672	2.802	5.750	2.144	2.234	2.364
5.625	2.739	2.829	2.959	5.625	2.773	2.863	2.993
5.500	3.337	3.427	3.557	5.500	3.222	3.312	3.442
5.375	4.203	4.293	4.423	5.375	3.883	3.973	4.103

 

ELITE 11-15 YEAR				ELITE 8-10 YEAR
RATE	15 DAY	30 DAY	45 DAY	RATE	15 DAY	30 DAY	45 DAY
7.000	-2.964	-2.874	-2.744	6.875	-2.723	-2.633	-2.503
6.875	-2.703	-2.613	-2.483	6.750	-2.222	-2.132	-2.002
6.750	-2.202	-2.112	-1.982	6.625	-2.142	-2.052	-1.922
6.625	-2.162	-2.072	-1.942	6.500	-1.956	-1.866	-1.736
6.500	-1.923	-1.833	-1.703	6.375	-1.729	-1.639	-1.509
6.375	-1.638	-1.548	-1.418	6.250	-1.209	-1.119	-0.989
6.250	-1.118	-1.028	-0.898	6.125	-1.246	-1.156	-1.026
6.125	-1.127	-1.037	-0.907	6.000	-1.021	-0.931	-0.801
6.000	-0.836	-0.746	-0.616	5.875	-0.766	-0.676	-0.546
5.875	-0.511	-0.421	-0.291	5.750	-0.224	-0.134	-0.004
5.750	0.031	0.121	0.251	5.625	0.031	0.121	0.251
5.625	0.384	0.474	0.604	5.500	0.250	0.340	0.470
5.500	0.682	0.772	0.902	5.375	0.546	0.636	0.766
5.375	1.059	1.149	1.279	5.250	1.114	1.204	1.334
5.250	1.626	1.716	1.846	5.125	1.682	1.772	1.902
5.125	2.067	2.157	2.287	5.000	1.952	2.042	2.172
5.000	2.425	2.515	2.645	4.875	2.259	2.349	2.479
4.875	2.818	2.908	3.038	4.750	2.849	2.939	3.069
4.750	3.408	3.498	3.628	4.625	3.365	3.455	3.585