Market Wrap-up

Our benchmark FNM A MBS 5.500 May Coupon is up +14 BPS at 2:55 PM ET.

Glass Half Empty: The final/revised UofM Consume r Sentiment Index moved the preliminary number of 47.6 to 49.8. With the 12 month inflation outlook of 4.8% dropping to 4.7%.

Based on the present news the US/Iran talks will be back on this weekend but without VP Vance. The takeaway, without Vance the US still doesn’t see the current Iranian negotiating team as the first-string players. Any meeting is a p

ositive, markets suck it up like water on the desert, but it is doubtful it will lead to any major changes between Trump and Iran. The world watching but only the US is involved, as long as the US holds to removing nuclear enriched uranium and the Islamic regime holds the power, we do not expect Iran will give in easily. Increasing numbers of global analysts are saying the impact of the oil supply may last years for world economies. My point is, it doesn’t appear Iran is going to comply leaving the US to consider more military responses.

Crude oil continued to increase this week, up $10.00/barrel. Interest rates higher, stock indexes making new all-time highs. Employment data holding well although the concern of stagflation lurks in the background and gets focus when data shows employment slowing and inflation edging up.

MBS prices increased today with the decline in the 5 and 2 year note yields.

Next week’s economic data; the headline, the FOMC meeting on Wednesday with no expectations of interest rate changes. The week has a lot of data to think about. Tuesday Case/Shiller Feb home price index, April consumer confidence index. Wednesday MBA mortgage applications, Feb/March housing starts and permits, March durable goods orders, Feb/March new home sales. Thursday March PCE inflation data, March personal income and spending, Q1 advance GP, weekly jobless claims. Friday April ISM manufacturing and service sector indexes.

This week: The 10 year note yield +6 bps, the 2 year note +8 bps, FNMA 5.5 30 year coupon prices -18 bps. DJIA -217, NASDAQ +369, S&P +39. Gold -$46.00, crude oil +$10.41.The dollar index generally unchanged +0.36, bitcoin +261.

PRICES @ 4:00 PM

10 year note: 4.31% -1 bp

5 year note: 3.92% -4 bp

2 year note: 3.79% -6 bp

30 year bond: 4.92% unch

30 year FNMA 5.5: 100.92 +13 bp (+19 bp from 9:30)

30 year FNMA 6.0: 12.33 +11 bp (+12 bp from 9:30)

30 year GNMA 5.5: 100.95 +13 bp (+11 bp from 9:30)

Dollar/Yen: 159.41 -0.32 yen

Dollar/Euro: $1.1719 +$0.0033

Dollar Index: 98.52 -0.25

Gold: $4,736.00 +$12.00

Bitcoin: 77,661 -91

Crude Oil: $94.79 -$1.06

DJIA: 49,230.71 -79.61

NASDAQ: 24,836.60 +398.09

S&P 500: 7165.08 +56.68

SOFR Data 04/24: 30-DAY AVERAGE(%): 3.64583, 90-DAY AVERAGE(%): 3.66869, 180-DAY AVERAGE(%): 3.78895, INDEX: 1.24073677

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	3,556.91	21.93	0.61%	8.82	27.32%	11:15 AM
WIG:IND WSE WIG INDEX	130,656.10	764.10	0.58%	9.13	30.45%	11:15 AM
WIG30:IND WIG30	4,507.54	30.82	0.68%	9.21	25.81%	11:15 AM

WALUTY

Currency, not sorted	Value, not sorted	Change, not sorted	Net Change, not sorted	Time (EDT), not sorted
EUR-USD	1.1722	0.00	0.33%	4:59 PM
USD-JPY	159.3800	0.33	0.21%	4:59 PM
GBP-USD	1.3532	0.01	0.48%	4:59 PM
AUD-USD	0.7152	0.00	0.34%	4:59 PM
USD-CAD	1.3668	0.00	0.24%	4:59 PM
USD-CHF	0.7850	0.00	0.18%	4:59 PM

USD-MXN

17.3787

0.05

0.27%

4:59 PM

USD-CZK	20.7641	0.09	0.43%	4:59 PM
USD-SKK	25.7002	0.09	0.33%	4:59 PM
USD-PLN	3.6196	0.01	0.34%	4:59 PM
USD-HUF	311.4200	2.61	0.83%	4:59 PM
USD-RUB	75.3015	0.23	0.31%	3:30 PM

POŻYCZKI HIPOTECZNE

ELITE 21-30 YEAR				ELITE 16-20 YEAR
RATE	15 DAY	30 DAY	45 DAY	RATE	15 DAY	30 DAY	45 DAY
7.500	-4.441	-4.351	-4.221	7.500	-4.543	-4.453	-4.323
7.375	-3.961	-3.871	-3.741	7.375	-4.105	-4.015	-3.885
7.250	-3.431	-3.341	-3.211	7.250	-3.579	-3.489	-3.359
7.125	-3.334	-3.244	-3.114	7.125	-3.478	-3.388	-3.258
6.999	-3.006	-2.916	-2.786	6.999	-3.123	-3.033	-2.903
6.875	-2.482	-2.392	-2.262	6.875	-2.651	-2.561	-2.431
6.750	-1.921	-1.831	-1.701	6.750	-2.096	-2.006	-1.876
6.625	-2.452	-2.362	-2.232	6.625	-2.448	-2.358	-2.228
6.500	-2.079	-1.989	-1.859	6.500	-2.135	-2.045	-1.915
6.375	-1.470	-1.380	-1.250	6.375	-1.591	-1.501	-1.371
6.250	-0.814	-0.724	-0.594	6.250	-1.020	-0.930	-0.800
6.125	-1.186	-1.096	-0.966	6.125	-1.302	-1.212	-1.082
5.999	-0.776	-0.686	-0.556	5.999	-0.887	-0.797	-0.667
5.875	-0.072	0.018	0.148	5.875	-0.347	-0.257	-0.127
5.750	0.714	0.804	0.934	5.750	0.249	0.339	0.469
5.625	0.587	0.677	0.807	5.625	0.444	0.534	0.664
5.500	1.129	1.219	1.349	5.500	0.916	1.006	1.136
5.375	1.944	2.034	2.164	5.375	1.533	1.623	1.753
5.250	2.789	2.879	3.009	5.250	2.170	2.260	2.390

ELITE 11-15 YEAR				ELITE 8-10 YEAR
RATE	15 DAY	30 DAY	45 DAY	RATE	15 DAY	30 DAY	45 DAY
6.750	-3.517	-3.427	-3.297	6.500	-3.315	-3.225	-3.095
6.625	-3.479	-3.389	-3.259	6.375	-3.116	-3.026	-2.896
6.500	-3.263	-3.173	-3.043	6.250	-2.621	-2.531	-2.401
6.375	-3.007	-2.917	-2.787	6.125	-2.486	-2.396	-2.266
6.250	-2.512	-2.422	-2.292	6.000	-2.307	-2.217	-2.087
6.125	-2.262	-2.172	-2.042	5.875	-2.080	-1.990	-1.860
6.000	-2.021	-1.931	-1.801	5.750	-1.562	-1.472	-1.342
5.875	-1.731	-1.641	-1.511	5.625	-1.436	-1.346	-1.216
5.750	-1.214	-1.124	-0.994	5.500	-1.215	-1.125	-0.995
5.625	-0.993	-0.903	-0.773	5.375	-0.943	-0.853	-0.723
5.500	-0.700	-0.610	-0.480	5.250	-0.405	-0.315	-0.185
5.375	-0.355	-0.265	-0.135	5.125	0.049	0.139	0.269
5.250	0.183	0.273	0.403	5.000	0.340	0.430	0.560
5.125	0.579	0.669	0.799	4.875	0.630	0.720	0.850
5.000	0.951	1.041	1.171	4.750	1.188	1.278	1.408
4.875	1.324	1.414	1.544	4.625	1.337	1.427	1.557
4.750	1.882	1.972	2.102	4.500	1.658	1.748	1.878
4.625	1.855	1.945	2.075	4.375	1.976	2.066	2.196
4.500	2.261	2.351	2.481	4.250	2.563	2.653	2.783

POŻYCZKI I OBLIGACJE

30 Yr. Fixed

6.32% +0.00%

5.99%

7.08%

15 Yr. Fixed

5.91% -0.01%

5.55%

6.39%

30 Yr. Jumbo

6.53% +0.01%

6.1%

7.15%

Compare Mortgage Rates from Local Lenders for Apr 24, 2026

Rates End Week Close Enough to Recent Lows

Fri, Apr 24, 2026 3:31PM

With zero change versus Thursday’s latest levels, the 30yr fixed mortgage rate index maintained a 0.03% range for the entire week (and 0.04% going back to last Tuesday). At 6.32%, today’s mark is close enough to Friday’s 6.29% to say rates are hovering at the lowest levels in more than a month. The sideways drift reflects uncertainty surrounding the next phase in the Iran war. Prospects for negotiations were called into question for most of the week, but improved somewhat on Friday. A successful end to the war would likely bring some additional improvement for rates, but the true test would b… (read more)

Mortgage News Daily	Rate	Change	Points
30 Yr. Fixed	6.32%	0.00	0.00
15 Yr. Fixed	5.91%	-0.01	0.00
30 Yr. FHA	5.91%	-0.01	0.00
30 Yr. Jumbo	6.53%	+0.01	0.00
7/6 SOFR ARM	5.96%	-0.02	0.00
30 Yr. VA	5.93%	-0.01	0.00
Updates Daily – Last Update: 4/24

Freddie Mac	Rate	Change	Points
30 Yr. Fixed	6.23%	-0.07	0.00
15 Yr. Fixed	5.58%	-0.07	0.00
Updates Weekly – Last Update: 4/23

Mortgage Bankers Assoc.
30 Yr. Fixed	6.35%	-0.07	0.61
15 Yr. Fixed	5.75%	-0.10	0.69
30 Yr. Jumbo	6.43%	-0.05	0.45
Updates Weekly – Last Update: 4/22

UMBS 30YR 5.0

99.18 +0.20

95.71

100.50

UMBS 30YR 5.5

100.91 +0.14

98.11

101.64

10 YR Treasury

4.307 -0.018

3.948

4.590

War Headline Waiting Game is The Only Game in Town

Fri, Apr 24, 2026 9:18AM

Markets were largely flat overnight but volatility picked up just after 7am ET after headlines suggested US/Iran negotiations could resume as early as today. That was good for almost a $4 drop in oil and a 3bp drop in 10yr yields. Roughly half of that improvement was erased just over an hour later when additional news reiterated yesterday’s contentious claim… (read more)

MBS	Price	Change
UMBS 4.5	96.99	+0.16
UMBS 5.0	99.18	+0.20
UMBS 5.5	100.91	+0.14
GNMA 4.5	97.16	+0.22
GNMA 5.0	99.67	+0.17
GNMA 5.5	100.95	+0.13
Pricing as of: 4/24 3:56PM EST