Core Insights - Freddie Mac reported that the 30-year fixed-rate mortgage (FRM) averaged 6.72% as of July 10, 2025, an increase from 6.67% the previous week, but a decrease from 6.89% a year ago [1][5] Group 1: Mortgage Rate Trends - The 30-year FRM increased slightly after five consecutive weeks of decline, influenced by a stronger than expected jobs report [2] - The 15-year FRM also saw an increase, averaging 5.86%, up from 5.80% the previous week, and down from 6.17% a year ago [5] Group 2: Market Response - Home purchase applications increased by 25% and refinance applications rose by 56% compared to the same time last year, indicating a positive response to the downward trend in mortgage rates [2]

Applications for mortgages increased 9.4% for the week ending July 4, as rates on home loans fell to 6.77%. https://t.co/PWaMYwLqze ...

Market Trends - US mortgage applications to purchase a home jumped to the highest level since early 2023 [1] Financial Indicators - Borrowing costs barely budged [1]

RT ARK Invest (@ARKInvest)With inventory levels near crisis highs and prices slipping, housing could shift from a drag to a source of strength, especially with crypto now counting for mortgage qualification. @CathieDWood says this could open the housing market more than many realize in "In The Know." ...

Core Insights - The average 30-year fixed-rate mortgage (FRM) decreased to 6.67% as of July 3, 2025, marking a decline from 6.77% the previous week and down from 6.95% a year ago [1][6] - The 15-year FRM also saw a decrease, averaging 5.80%, down from 5.89% last week and 6.25% a year ago [6] - This marks the fifth consecutive week of decline in the average 30-year FRM, representing the largest weekly drop since early March [2] Market Context - The PMMS focuses on conventional, conforming, fully amortizing home purchase loans for borrowers with excellent credit who put 20% down [3] - The decline in mortgage rates is seen as encouraging, with more sellers entering the market, which may provide prospective buyers with an advantage despite ongoing affordability challenges [2] Company Mission - Freddie Mac's mission is to enhance liquidity, stability, and affordability in the housing market, having assisted millions of families in buying, renting, or maintaining their homes since 1970 [4]

US mortgage rates dropped last week to the lowest level since early April, helping spark a pickup in home-refinance applications https://t.co/GRJTvE5AuB ...

Swedbank agrees to buy digital mortgage credit firm Stabelo for an initial price of $37 million to help bolster its home-loan business https://t.co/mHz3wOm6mx ...

Check our interactive map to find today's average 30-year mortgage refinance rate for any U.S. state. Right now, the cheapest refi states are California and New York. https://t.co/qGAOEaXXNX ...

Market Trend - Fannie Mae and Freddie Mac are preparing to count crypto as assets for mortgages [1] - Industry anticipates potential for tokenization and limited supply strategies in the crypto market [2] Investment Opportunity & Potential Risk - Potential strategy to short the housing market using crypto assets is being discussed [2] - Market participants are considering scenarios involving supply manipulation and subsequent market flooding [2]

Group 1 - Freddie Mac released its Monthly Volume Summary for May 2025, detailing mortgage-related portfolios, securities issuance, risk management, delinquencies, debt activities, and other investments [1] - The company aims to enhance liquidity, stability, and affordability in the housing market across various economic cycles [2] - Since its inception in 1970, Freddie Mac has assisted tens of millions of families in buying, renting, or maintaining their homes [2]