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Mortgage Rates Hold Near Yearly Lows as Market Awaits Next Data

The average 30-year fixed mortgage rate is hovering near 3-year lows as bond markets hold steady amid limited economic data. Learn why rates remain low and what could move them next.
Oct 22, 2025

Rates Still Near 3-Year Lows

Mortgage rates are holding close to their lowest levels in nearly three years, following a week of modest but steady gains in the bond market. Even though there’s been little major economic data released due to the government shutdown, the broader trend continues to favor lower rates.

The underlying bond market—especially the 30-Year UMBS 5.0—has stayed strong, with prices hovering near their best levels of the year. The same story shows up in the 10-Year Treasury yield, which remains just above 4.0%.

These are key indicators that help determine the direction of the average 30-year fixed mortgage rate, and right now, both are signaling stability at historically favorable levels.

Why It’s Quiet — But Still Good News

Without government data like the jobs report or inflation figures, traders have been relying on smaller private-sector reports and global trends. That’s kept volatility low and helped rates hold steady.

Recent gains have also been fueled by:

  • Mild economic anxiety tied to trade tensions and weaker manufacturing data.

  • Modest improvements in bond prices as investors favor safer assets.

  • Oil price fluctuations, which influence inflation expectations.

In short, it’s a “quiet but positive” environment for borrowers. Rates haven’t moved dramatically, but they’ve stayed close to the best levels since 2022.

What Could Move Rates Next

The next big potential mover will be this Friday’s inflation report (CPI)—one of the few key data releases still expected this month. Inflation remains the single biggest factor influencing where mortgage rates go next.

If the CPI report shows prices cooling, rates could edge even lower. But a surprise uptick could spark a small rebound higher. Until then, expect relatively calm conditions with small day-to-day changes.

What This Means for Homebuyers

With rates near multi-year lows and limited volatility, this is a great time to:

  • Lock in a rate before new data hits later this week.

  • Explore refinancing options if your current rate is above today’s averages.

  • Shop with confidence, knowing affordability has improved compared to earlier this year.

Even if rates inch up later, the overall outlook remains favorable. Many lenders are still quoting their lowest rates in over a year, with some matching levels not seen since late 2022.

Have questions or want to talk through your options?
Just fill out the contact form on this page or give me a call—I’m here to help.

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Source: Mortgage News Daily

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