Mortgage Rates & Market Insights
Looking for real mortgage rates that reflect what borrowers actually pay, not just pie-in-the-sky “teaser” quotes? You’re in the right place. We pull live data from lenders across the country, giving you a true minute-by-minute snapshot of what’s really happening—whether people are buying points to lower their rates or working with less-than-perfect credit.
Just remember, every situation is different, so your personal rate may vary. And because rates can shift faster than Colorado’s weather, we also share Mortgage-Backed Securities (MBS) and Treasury data for extra context. With 719 Lending’s expertise, you’ll get the facts you need—no fluff, no clickbait—so you can make the best decision for your mortgage.
Mortgage News Daily is a highly respected resource within the mortgage industry, providing professionals with clear, reliable insights into mortgage-backed securities (MBS) and how they influence interest rates. Their in-depth coverage of Uniform Mortgage-Backed Securities (UMBS)—which integrate Fannie Mae and Freddie Mac mortgage securities into a single, fungible market—helps industry experts stay abreast of key trends and market shifts. Mortgage News Daily sources its data from a variety of industry participants, including lenders, investors, and secondary market platforms, ensuring that the information they provide is both current and comprehensive.
Optimal Blue, a leading mortgage pricing engine owned by Black Knight, aggregates real-time loan pricing data from thousands of lenders and investors across the country. This extensive, continuously updated dataset helps banks and other financial institutions offer accurate, competitive mortgage rates tailored to various borrower scenarios. Optimal Blue’s data includes details on rate buy-downs, credit score tiers, loan types, and other granular adjustments, ensuring that lenders can fine-tune their pricing to meet market conditions and customer needs.
Google sources its displayed mortgage rates through third-party data providers, often aggregating information from multiple lenders. These estimates typically represent owner-occupied properties under ideal lending conditions, such as strong credit scores and standard down payments. The rates are based on the previous business day’s closing figures, which means they may not reflect real-time market changes. Below is the most recent rate update.
Keep in mind that the mortgage rates Zillow advertises are typically based on near-perfect conditions—top-tier credit scores, rate buy-downs (which lead to higher closing costs), and other highly favorable factors. In reality, most borrowers are subject to Loan-Level Price Adjustments (LLPAs), which raise interest rates based on individual circumstances like credit history, loan type, and down payment size. As a result, the rates you see on Zillow are often not the ones you’ll actually qualify for when it’s time to secure your mortgage.
The Mortgage Bankers Association (MBA) is a professional organization representing mortgage bankers and providing valuable industry insights. While it doesn’t set mortgage rates or regulate companies, the MBA offers a useful resource for monitoring daily interest rate trends and understanding broader market movements.
As one of the nation’s largest purchasers of home loans, Freddie Mac plays a key role in shaping the mortgage market. Each week, Freddie Mac publishes an estimate of average interest rates, which has become a trusted benchmark for monitoring mortgage rate trends over time.
This lock history, compiled by Mortgage News Daily, illustrates how mortgage rates have shifted over the past month. It’s a valuable resource for monitoring rate movements and gaining insight into broader market trends.
The Universal Mortgage-Backed Securities (UMBS) market is typically the strongest influence on interest rate trends. Although Treasury yields often grab headlines, UMBS activity has a more direct effect on where mortgage rates move. If you’re looking for a reliable way to predict rate changes, keeping an eye on UMBS charts is essential.