Mortgage rates rose for the third straight day on Tuesday with the average top-tier 30yr fixed rate moving up a modest 0.02% to 6.75%. Notably, the bond market was actually in slightly better shape compared to yesterday--something that would normally be good news for rates. So what's the catch? As is often the case when bonds and mortgages disagree, the x factor is timing. Mortgage lenders prefer to release rates once per day (usually around 10am ET) and they only change rates if the underlying bond market makes a big enough move in either direction.   Bonds lost ground yesterday, but not enough for the average lender to go to the trouble of raising the rates set earlier in the day. As such, lenders had to adjust for that bond market weakness with this morning's offerings. Ironically, the opposite dynamic is playing out today with bonds improving versus opening levels, but not by enough for the average lender to drop the rates set this morning. Now for some context in 3 different levels: current levels are slightly below the mid-point of the past 4 weeks, but the past 4 weeks are at the top of the range seen over the past year. Lastly, the past year has been the the best 12 month stretch for rates since late 2022 and present rates remain below the mid-point of the past 4 years. [thirtyyearmortgagerates]

August 18, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.75% +0.02%   5.99% 6.85% 15 Yr. Fixed 6.31% +0.01%   5.55% 6.34% 30 Yr. Jumbo 6.87% +0.00%   6.1% 6.92% Compare Mortgage Rates from Local Lenders for Aug 18, 2026 Mortgage Rates Continue Higher Despite Bond Market Improvement Tue, Aug 18, 2026 3:33PM Mortgage rates rose for the third straight day on Tuesday with the average top-tier 30yr fixed rate moving up a modest 0.02% to 6.75%. Notably, the bond market was actually in slightly better shape compared to yesterday--something that would normally be good news for rates. So what's the catch? As is often the case when bonds and mortgages disagree, the x factor is timing. Mortgage lenders prefer to release rates once per day (usually around 10am ET) and they only change rates if the underlying bond market makes a big enough move in either direction.   Bonds lost ground yesterday, ... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.75% +0.02 0.00 15 Yr. Fixed 6.31% +0.01 0.00 30 Yr. FHA 6.32% +0.01 0.00 30 Yr. Jumbo 6.87% 0.00 0.00 7/6 SOFR ARM 6.32% 0.00 0.00 30 Yr. VA 6.34% +0.01 0.00 Updates Daily - Last Update: 8/18 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 99.37 +0.11   98.89 101.64 UMBS 30YR 6.0 101.41 +0.08   101.05 102.75 10 YR Treasury 4.682 -0.024   3.948 4.736 Weaker Start, But Traders Buying The Dip Tue, Aug 18, 2026 10:26AM Big picture momentum has been calmly but clearly skewed toward higher yields for almost 10 months. There have been a few attempts to bounce at technical ceilings along the way up from 4.0% 10yr yields (4.3%, 4.42%, and 4.75%). August has been mostly sideways near the longer-term highs, but the first two days of this week have set up another challenge of the ... (read more) MBS Price Change UMBS 5.0 97.02 +0.19 UMBS 5.5 99.41 +0.15 UMBS 6.0 101.44 +0.10 GNMA 5.0 97.26 +0.18 GNMA 5.5 99.68 +0.13 GNMA 6.0 101.58 +0.11 Pricing as of: 8/19 9:35AM EST US Treasury Yield Change 2 YR Treasury 4.146 -0.019 5 YR Treasury 4.324 -0.034 7 YR Treasury 4.475 -0.048 10 YR Treasury 4.655 -0.051 30 YR Treasury 5.228 -0.053 Pricing as of: 8/19 9:35AM EST Other News Verification, Title/DSCR, Escrow Reporting, BI Asset Products; Disasters Shifting, as is FEMA; AI and Data Tue, Aug 18, 2026 11:52AM While Lake Powell and the Colorado River are at their lowest levels ever, and states like Minnesota, Oregon, and Washington are in a drought, would you like a short clip of what they’re experiencing in Hawai’i? So far, the North Atlantic hurricane season (June 1 to November 30) has been light, which pleases homeowners, servicers, lenders, and insurance compa... (read more) Latest Video July pending home sales down in all regions Housing market index beats estimates in August Former St. Louis Fed Pres. Bullard: Now's a good time for the Fed to get in... July industrial production rises 0.2%, below estimates Around the Web CNBC Bond yields are climbing. Heres what that means for mortgages and other consumer borrowing CNBC U.S. government debt yields are surging at a bad time. Here's what's behind the move Realtor.com Pending Home Sales Retreat in July as Mortgage Rates Hit 2026 High Investing Live Cleveland Fed survey: businesses expect inflation to ease, investment to weaken over the coming year AOL Analysis-As US debt mounts, investors demand higher returns to lend Realtor.com Single-Family Home Construction Plunges in July, But Permits Offer Signs of Hope Investing Live ADP weekly NER pulse 9.50K vs 8.25K prior Eye on Housing Consumer Credit Slowed in Q2 CNBC Treasury yields rise as oil gains and U.S.-Iran tensions fuel inflation fears CNBC The 30-year Treasury yield just hit a 19-year high. Three things could drive it even higher CNBC Oil prices rise as Iran rules out interim deal extension, threatens to escalate conflict Eye on Housing Affordability Pressures Keep Builder Confidence Low Investing Live US August NAHB housing market index 35 vs 33 expected

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