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Boring Day But At Least Bonds Turned Green

8/18/2026 3:25 PM

Boring Day But At Least Bonds Turned Green Tuesday offered remarkably of interest or consequence for the bond market. The most notable development was the brief visit to 4.75% in 10yr yields followed by the emergence of the quintessential "dip buyer" (i.e. "hey look... yields are high enough again that I th...Read More

Mortgage Rates Continue Higher Despite Bond Market Improvement

8/18/2026 2:33 PM

Mortgage rates rose for the third straight day on Tuesday with the average top-tier 30yr fixed rate moving up a modest 0.02% to 6.75%. Notably, the bond market was actually in slightly better shape compared to yesterday--something that would normally be good news for rates. So what"s the catch? As is often the case when bonds and mortgages disagre...Read More

Verification, Title/DSCR, Escrow Reporting, BI Asset Products; Disasters Shifting, as is FEMA; AI and Data

8/18/2026 10:52 AM

While Lake Powell and the Colorado River are at their lowest levels ever, and states like Minnesota, Oregon, and Washington are in a drought, would you like a short clip of what they’re experiencing in Hawai’i? So far, the North Atlantic hurricane season (June 1 to November 30) has been light, which pleases homeowners, servicers, lenders, and insur...Read More

Weaker Start, But Traders Buying The Dip

8/18/2026 9:26 AM

Big picture momentum has been calmly but clearly skewed toward higher yields for almost 10 months. There have been a few attempts to bounce at technical ceilings along the way up from 4.0% 10yr yields (4.3%, 4.42%, and 4.75%). August has been mostly sideways near the longer-term highs, but the first two days of this week have set up another challen...Read More

War Headlines Pushing Oil and Yields Higher

8/17/2026 2:00 PM

War Headlines Pushing Oil and Yields Higher Some summertime Mondays are slow and uneventful. Some see brisk movement. Today"s was somewhere in between. There was modest pressure at the outset following headlines about Iran planning to escalate hostilities. The sharpest increase in oil prices coincided with ...Read More

Mortgage Rates Start Week Higher

8/17/2026 12:27 PM

After ending last week near the lowest level since July 17th, mortgage rates are moving up to start the new week. Motivations are familiar. Escalation in U.S./Iran tensions is pushing fuel prices higher and bond yields continue to correlate. Bond yields correlate with consumer interest rates with near perfection. In mortgage-specific terms, the av...Read More

Market Study, DSCR, POS, API Tools; Mortgage Rates and Capital Markets

8/17/2026 10:41 AM

Some aren’t a fan of new federal escrow laws. Ten states have sued the Office of the Comptroller of the Currency over new federal rules that would prevent them from enforcing laws requiring national banks to pay homeowners interest on money held in mortgage escrow accounts. Some weren’t fans of 10 percent credit card caps, 50-year mortgages, portab...Read More

Under Some Pressure For Usual Reasons

8/17/2026 8:43 AM

It"s just another day in post-Iran-war 2026. As such, bonds are taking cues from fuel price volatility which is in turn taking cues from the latest war-related headlines. In this morning"s installment, there were several headlines around 8:30am that didn"t help. The most relevant update involved Iran saying it was shifting to an offensive stra...Read More

Existing-Home Sales Ease Slightly, Remain Above Year-Ago Levels

8/14/2026 2:10 PM

Existing-home sales remained relatively stable in July despite elevated mortgage rates, with activity declining modestly from June while remaining above year-ago levels. According to the National Association of REALTORS®, sales fell 1.7% from June to a seasonally adjusted annual rate of 4.06 million , but were 0.7% higher than in July 2025. ...Read More

As Expected, Mortgage Apps Bounce in Response to Rate Reversal

8/14/2026 2:06 PM

Mortgage application activity rebounded last week as a moderate decline in mortgage rates provided some relief for both homebuyers and homeowners considering a refinance. The Mortgage Bankers Association (MBA) reported a 3.6% increase in total application volume on a seasonally adjusted basis for the week ending August 7. Purchase applications i...Read More

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