First, the bad news: mortgage rates ended the day just a hair higher compared to Thursday, but the change was so small that many borrowers will see little--if any--difference in pricing. Now the good news: apart from yesterday afternoon, today's rates would still be the lowest in 4 weeks (i.e. you'd have to go back to July 17th to see anything lower). Lastly, some news that's neither good nor bad, but simply a bit confusing. Today's higher rates followed this morning's Retail Sales report which came in much weaker than expected. Conventional wisdom would have suggested that weaker data coincides with lower rates.  One issue is that Retail Sales is not in the same league as top tier economic reports like the inflation data seen earlier this week or the jobs report seen last Friday. Also, there can be more nuance to the retail sales data by the time traders consider temporary factors and timing. Lastly, sometimes the bonds market (bonds dictate rate movement) has simply done as well as it's going to do on any given week and it would take a much bigger surprise to overcome trading momentum that is happening for non-data-related reasons. In other words, traders can push back against the week's prevailing momentum on Friday simply as a byproduct of closing out the week's trading positions.  [thirtyyearmortgagerates]

August 14, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.71% +0.02%   5.99% 6.85% 15 Yr. Fixed 6.29% +0.03%   5.55% 6.34% 30 Yr. Jumbo 6.85% +0.02%   6.1% 6.92% Compare Mortgage Rates from Local Lenders for Aug 14, 2026 Mortgage Rates Slightly Higher to End The Week Fri, Aug 14, 2026 2:56PM First, the bad news: mortgage rates ended the day just a hair higher compared to Thursday, but the change was so small that many borrowers will see little--if any--difference in pricing. Now the good news: apart from yesterday afternoon, today's rates would still be the lowest in 4 weeks (i.e. you'd have to go back to July 17th to see anything lower). Lastly, some news that's neither good nor bad, but simply a bit confusing. Today's higher rates followed this morning's Retail Sales report which came in much weaker than expected. Conventional wisdom would have suggested that weaker data coinc... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.71% +0.02 0.00 15 Yr. Fixed 6.29% +0.03 0.00 30 Yr. FHA 6.29% +0.01 0.00 30 Yr. Jumbo 6.85% +0.02 0.00 7/6 SOFR ARM 6.29% 0.00 0.00 30 Yr. VA 6.31% +0.02 0.00 Updates Daily - Last Update: 8/14 Freddie Mac Rate Change Points 30 Yr. Fixed 6.67% -0.02 0.00 15 Yr. Fixed 5.96% -0.05 0.00 Updates Weekly - Last Update: 8/13 Mortgage Bankers Assoc. 30 Yr. Fixed 6.77% -0.04 0.67 15 Yr. Fixed 6.10% -0.03 0.94 30 Yr. Jumbo 6.68% -0.04 0.51 Updates Weekly - Last Update: 8/12 UMBS 30YR 5.5 99.39 -0.22   98.89 101.64 UMBS 30YR 6.0 101.47 -0.13   101.05 102.75 10 YR Treasury 4.693 +0.050   3.948 4.736 Good Luck Making Sense of Retail Sales Reaction Fri, Aug 14, 2026 10:01AM Based on a few research papers that have attempted to quantify the impact of various economic reports as well as the general consensus among economic calendar purveyors, Retail Sales is allegedly a top tier market mover. In fact, a somewhat recent attempt by CME to rank econ data has in 5th place ahead of CPI, PPI, and PCE. But in our experience, it is ... (read more) MBS Price Change UMBS 5.0 96.95 -0.33 UMBS 5.5 99.39 -0.22 UMBS 6.0 101.47 -0.13 GNMA 5.0 97.37 -0.32 GNMA 5.5 99.83 -0.17 GNMA 6.0 101.88 -0.12 Pricing as of: 8/14 7:44PM EST US Treasury Yield Change 2 YR Treasury 4.173 +0.027 5 YR Treasury 4.362 +0.050 7 YR Treasury 4.521 +0.055 10 YR Treasury 4.693 +0.050 30 YR Treasury 5.260 +0.047 Pricing as of: 8/14 7:44PM EST Other News Wholesale Lender, POS, Mortgage Intelligence Tools; Non-Agency Trends: Who's Doing What? Fri, Aug 14, 2026 11:43AM If you think that profit per loan, or gain per unit, is based purely on size, think about this short video. “Profit” can also be a personal measure in terms of income versus expenses. Owning a home is all about having a job and spending less than you earn. Bankrate’s 2025 Wage to Inflation Index revealed that prices rose 23 percent since the start of 2021 wh... (read more) Latest Video Consumer sentiment drops in August Retail sales unexpectedly fell in July Consumer prices rose 0.1% in July, as expected, putting the annual rate at ... Wholesale prices were flat in July, below expectations for 0.2% increase Around the Web CNBC Housing investors say this is their worst market in at least 3 years Yahoo Finance Fed’s Goolsbee Wants to See More Evidence of Cooling Inflation Investing Live US July retail sales -0.6% vs +0.1% expected Investing Live US August prelim UMich consumer sentiment 51.0 vs 54.5 expected Investing Live US Business inventories for June 0.0% vs 0.1% estimate Eye on Housing Homeownership Rate Edges Down to 65% Eye on Housing Single-Family Permitting Declines Through June in Contrast to Multifamily Richmond Fed Barkin - The Mysterious U.S. Economy Investing Live Fed's Hammack: Need some restraint from mon pol to bring down inflation Census.gov Advance Monthly Sales for Retail and Food Services CNBC Treasury yields rise as U.S. threatens Iran with more economic sanctions Investing Live Fed's Barkin: It's hard to know whether policy is restrictive given standard errors in models Eye on Housing Building Material Prices Show Growth In July

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