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The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The list of people who are unaccounted for after the Camp Fire in Northern California has 1,011 entries, Butte County Sheriff and Coroner Kory Honea said Friday evening.The sheriff said the list is imperfect and will fluctuate in number because it is raw data that needs to be refined.The death toll from the fire is now 71 after eight sets of remains were found Friday, Honea said. Three other deaths occurred in the Woolsey Fire in Southern California, making the statewide death toll from wildfires 74.With more personnel able to take reports from phone calls and emails and add names from 911 calls on the day the fire broke out, the number of names on the missing list swelled for the second consecutive day.The Camp Fire -- the deadliest and most destructive wildfire in state history -- has destroyed about 9,700 homes and scorched 146,000 acres (an increase of 5,000 acres Friday).Hundreds of deputies, National Guard troops, anthropologists and coroners are sifting through leveled homes and mangled cars for remains."They are going to be searching vehicles that have been burned. They'll be searching residences that have been burned. Checking around the residences ... our mission is to find the victims from this fire, recover them and get them identified and notify the families to give them some answers," Butte County Sheriff's Investigations Sgt. Steve Collins said Thursday.President Donald Trump is expected to visit the region Saturday. Gov. Jerry Brown and Gov.-elect Gavin Newsom plan to accompany him.Smoke from the large wildfire has prompted several universities to cancel or postpone sporting events. That includes the University of California, Berkeley men's basketball game Thursday night, which was called off, and its football game, which was rescheduled for December 1. 1827

The parent company for Gap and Banana Republic announced Friday that they would close more than 225 stores globally to "further advance its long-term strategic priority of a smaller healthier fleet."The closures are expected to occur this year with more stores closing in 2021, Gap Inc. said in its earnings report.According to the New York Post, many of the stores closing are located in malls.Also stated in its earnings report, the company closed 25 Old Navy's, 87 Gap's, 50 Banana Republic's, two Athleta's, one Intermix, and eight Janie and Jack stores in the quarter ending Aug. 1.Aug. 1 had 3,814 stores worldwide, which is 100 fewer stores that they had on Feb. 1, which was 3,919.Due to them temporarily closing their stores due to COVID-19, the company stated that they began the quarter with an 18% decline in net sales. 839

The grave site of the five men who died, allegedly at the hands of Alferd Packer, are buried near Deadman Gulch, a couple miles south of Lake City. 156

The Navy’s newest, most high-tech nuclear submarines use at least one piece of technology that millions of children use every day — a video game controller.According to The Virginian-Pilot in Norfolk, Virginia, the Navy is replacing traditional periscopes on its Virginia-class nuclear submarines with high resolution cameras that will be controlled with Xbox 360 controllers.According to the Virginian-Pilot, the cameras were originally designed to be controlled with a “helicopter-style” joystick. That design was quickly dropped after officials got feedback from a group of Navy junior officers.Lt. j.g. Kyle Leonard, the assistant weapons officer on the USS John Warner — one of the Virginia-class submarines based in Norfolk — told the Virginian-Pilot that many sailors found the joystick clunky to hold and hard to use.The solution? Integrate a tool that nearly every American kid uses on a daily basis.According to WRC-TV, the controllers are more than just functional. The Xbox controllers will set the Navy back about apiece, while the old system cost nearly ,000.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 1180

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