Mortgage rates: Week of August 3, 2026
A plain, factual recap of where U.S. mortgage-rate benchmarks moved during Aug 3–7, 2026 — the OBMMI medians RallyRates tracks and the 10-year Treasury that anchors them. We report the moves; we never forecast.
| Benchmark | Mon | Fri | Week |
|---|---|---|---|
| 30-yr conventional | 6.711% | 6.640% | −7 bp |
| 15-yr conventional | 6.046% | 5.950% | −10 bp |
| FHA 30-yr | 6.435% | 6.447% | +1 bp |
| VA 30-yr | 6.289% | 6.266% | −2 bp |
| 10-yr Treasury (the driver) | 4.700% | 4.650% | −5 bp |
Over Aug 3–7, 2026, the conventional 30-year benchmark opened at 6.711% and closed at 6.640%. The 10-year Treasury eased 5bp on the week, and conventional 30-year mortgage rates followed lower.
The 15-year conventional closed the week at 5.950%; FHA 30-year at 6.447%. These are benchmark medians, not a lender quote — for a live, lowest-APR-first board of real published rates, open the terminal.
On the calendar that week: Jobs report (nonfarm payrolls) (Fri) — the scheduled releases that most move the Treasury market behind mortgage rates. We note what was on the docket, not a cause.