The official national 30-year fixed is still Friday's 6.77%, up 0.01 from Thursday. Monday's index is not out until about 4 p.m. ET. Early Monday, mortgage-backed bonds are a touch stronger, which can mean a slightly better rate day if it holds. Sunday's recap laid out the week ahead: Wednesday PCE and Friday's Jackson Hole keynote.
What is today's official 30-year mortgage rate?
The latest Mortgage News Daily daily print (August 21):
- 30-year fixed: 6.77% (+0.01)
- 15-year fixed: 6.61% (+0.31)
- 30-year jumbo: 6.88% (+0.01)
- 7/6 ARM: 6.36% (unchanged)
- 30-year FHA: 6.33% (+0.02)
- 30-year VA: 6.35% (+0.02)
Last week: 6.73 Monday, 6.75 Tuesday, 6.72 Wednesday (buyback dip), 6.76 Thursday, 6.77 Friday. The week was +0.06. Freddie Mac's weekly 30-year is 6.65%.
Monday morning, Mortgage News Daily's trend is "increased slightly," which can mean a small improvement in rates. Current-coupon MBS prices were about 1/32 better than Friday's close in early trading.
Individual lender quotes differ from a national index. A locked rate is not a closed loan.
Why did Friday's market finish higher?
August business activity grew at its fastest pace in more than four years. S&P Global's flash composite PMI rose 1.5 points to 56, the highest since April 2022. Services rose to 56.8 from 54.6. Manufacturing dipped 0.7 to 53.2. Input costs grew at the slowest pace since the start of the Iran conflict, and firms added workers at the fastest pace since January 2025.
That mix (hot services, still-expanding factories) is growth-friendly. It is not the kind of slowdown that usually pulls long yields down.
The 10-year finished Friday at 4.73%, up 3 basis points from Thursday and +4 basis points on the week, with the note down 7/32 in price.
What did this morning's data show?
The Chicago Fed National Activity Index for July printed −0.08 versus −0.05 expected and −0.02 prior. Below zero means growth a bit under trend. It is one number, and it is backward-looking.
Treasury yields dipped this morning on a report that the government could use cash in the Treasury General Account to buy back more long-term securities. That is a rumor-style bid, not a scheduled data print.
What should buyers watch this week?
Sunday, Minneapolis Fed President Neel Kashkari told CBS's Face the Nation he is still worried about high inflation. He did not call for a September hike, but said he is not confident inflation is heading back to target soon.
Wednesday's July PCE is expected to show annual inflation easing slightly to a still-high 3.6%. Friday, Fed Chair Kevin Warsh gives the Jackson Hole keynote. That speech is the week's headline for the 10-year, which is what mortgage rates actually follow.
What does this mean if you are buying or refinancing?
If a payment already works at 6.77%, locking takes Friday's print off the table ahead of Wednesday PCE and Friday's Warsh speech. Waiting is a bet that those two events help the 10-year.
Run a payment estimate, then look at purchase or refinance options. See when refinancing beats waiting.
FAQ
What is today's official 30-year rate?
Friday's 6.77%. Monday's official print is around 4 p.m. ET.
Are rates heading lower today?
A little, if this morning's 1/32 MBS bid holds. It is not a break.
Did the Treasury buybacks last?
Wednesday's dip did not. Friday closed near pre-announcement levels. This morning's TGA-buyback report is a small dip, not a new program.
Should I lock or wait?
If a payment already works at 6.77%, locking takes Friday's print off the table ahead of Wednesday PCE and Friday's Warsh speech. Waiting is a bet that those two events help the 10-year.
Sources: Mortgage News Daily daily rate index (as of August 21, 2026); S&P Global flash PMIs (August 21): composite 56, services 56.8, manufacturing 53.2; Chicago Fed National Activity Index (July): −0.08; 10-year Treasury Friday close 4.73% (+3 bp day, +4 bp week); Neel Kashkari, CBS Face the Nation (August 23); BEA July PCE (due Wednesday; survey ~3.6% year over year); Kansas City Fed Jackson Hole (Warsh keynote Friday).