Rates, credit, and housing finance
Lending desk
The lending desk covers daily 30-year context, weekly Freddie Mac prints, credit conditions, and the difference between a published index and a personal quote. It does not lock rates or take applications.
Last updated:
- Daily 30-year index
- Freddie Mac weekly survey
- Refinance break-even
- Credit and program rules
Latest from this desk
August 30, 2026
Sunday recap: there is no new official print. Lenders are still pricing off Friday’s 6.81% 30-year, a three-week high after Warsh. Next daily index is Monday afternoon.
August 29, 2026
Saturday recap: Friday’s official 30-year jumped 0.06 to 6.81%, a three-week high, after Warsh’s hawkish Jackson Hole speech. No weekend print.
August 28, 2026
Thursday’s official 30-year held at 6.75%. Freddie Mac ticked to 6.66%. Friday morning MBS is slightly weaker ahead of Warsh’s Jackson Hole keynote.
August 27, 2026
Wednesday’s official 30-year ticked to 6.75% after hot PCE. Refinancing still has to beat doing nothing after closing costs.
August 27, 2026
Wednesday’s official 30-year rose 0.01 to 6.75% after hot July PCE. Claims fell to 203,000. Thursday morning bonds are little changed ahead of Jackson Hole.
August 26, 2026
Tuesday’s official 30-year fell 0.04 to 6.74% as oil dropped. July PCE stayed at 3.7%. Wednesday morning MBS is a bit weaker.
August 25, 2026
Monday’s official 30-year rose 0.01 to 6.78% on a timing issue. Tuesday morning MBS is 3/32 better. What buyers should know.
August 25, 2026
Monday’s official 30-year rose 0.01 to 6.78% on a timing issue. That print is still not a personal APR and not a lock.
August 24, 2026
Friday’s official 30-year is still 6.77%. August flash PMI hit 56, the fastest in over four years. Monday morning MBS is slightly better.
August 23, 2026
Sunday recap: there is no new official print. Lenders are still pricing off Friday’s 6.77% 30-year. Next daily index is Monday afternoon ahead of PCE and Jackson Hole.
August 22, 2026
Saturday recap: the official 30-year index closed Friday at 6.77%, up 0.01. The week finished +0.06 as Wednesday's Treasury buyback bounce faded.
August 21, 2026
Friday mortgage-rate update: the official 30-year index is 6.76%, up 0.04 and the highest daily print in just over a week. Early Friday, MBS is a bit stronger.
August 20, 2026
Thursday mortgage-rate update: the official 30-year index is 6.72% after Wednesday's 0.03 drop. Thursday morning yields gave back those gains and MBS was 5/32 worse.
August 19, 2026
Wednesday mortgage-rate update: the 30-year fixed is 6.75% after a third up day. Morning yields are lower and MBS is firmer than Tuesday's close.
August 18, 2026
Tuesday mortgage-rate update: the 30-year fixed is near 6.73% after Monday's 0.02 increase. Housing starts slumped and Tuesday morning yields rose.
August 17, 2026
Monday mortgage-rate update: the 30-year fixed is near 6.71% after July retail sales fell 0.6%. What this week's housing data could mean for buyers.
The other desks
Stay on the desks, the dated notes, and the educational explainers. None of these pages is an application.
Mortgage Rates Sit at 6.81% Heading Into a Jobs-Heavy Week National 30-year index as of 2026-08-28.
Existing-home turnover, new supply, and the lock-in effect
Cap rates, takeout costs, and land that still has to pencil
Vacancy, rent, and the operating brief
Operators should read Census vacancy and BLS rent of primary residence against a three-week-high purchase rate. Turnover math changed. Marketing copy did not.
Existing-home turnover stays pinned to the 6.81% 30-year. The official housing series to watch this week are Census construction prints and the next existing-home sales release — not a teaser lock.