{"id":8193,"date":"2026-08-05T01:49:02","date_gmt":"2026-08-05T08:49:02","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/?p=8193"},"modified":"2026-08-05T01:49:04","modified_gmt":"2026-08-05T08:49:04","slug":"mortgage-rates-catch-up-with-the-bond-market","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/8193\/","title":{"rendered":"Mortgage Rates Catch Up With the Bond Market"},"content":{"rendered":"\n<div class=\"loaning-key-takeaways\">\n  <h2>Key Takeaway \ud83d\udd0e<\/h2>\n\n  <ul>\n    <li>\n    Mortgage News Daily&#8217;s 30-year fixed index dropped to 6.75% on August 4, down 0.07 percentage point from the prior day. The move lowered the daily average to its best level in just over two weeks, but borrower-specific quotes can differ substantially.\n    <\/li>\n  \n  <\/ul>\n<\/div>\n\n<style>\n.loaning-key-takeaways {\n  box-sizing: border-box;\n  margin: 28px 0;\n  padding: 20px 22px;\n  background: #f8f9fa;\n  border-radius: 10px;\n  color: #374151;\n  font-family: inherit;\n}\n\n.loaning-key-takeaways h2 {\n  margin: 0 0 12px;\n  color: #1f2937;\n  font-size: 18px;\n  font-weight: 700;\n  line-height: 1.4;\n}\n\n.loaning-key-takeaways ul {\n  display: flex;\n  flex-direction: column;\n  gap: 8px;\n  margin: 0;\n  padding: 0;\n  list-style: none;\n}\n\n.loaning-key-takeaways li {\n  position: relative;\n  margin: 0;\n  padding-left: 22px;\n  color: #4b5563;\n  font-size: 15px;\n  line-height: 1.55;\n}\n\n.loaning-key-takeaways li::before {\n  content: \"\u2713\";\n  position: absolute;\n  top: 5px;\n  left: 0;\n  width: 13px;\n  height: 13px;\n  border-radius: 50%;\n  background-color: #458361;\n  color: #ffffff;\n  font-size: 8px;\n  font-weight: 700;\n  line-height: 13px;\n  text-align: center;\n}\n\n@media (max-width: 768px) {\n  .loaning-key-takeaways {\n    margin: 22px 0;\n    padding: 16px 14px;\n    border-radius: 8px;\n  }\n\n  .loaning-key-takeaways h2 {\n    margin-bottom: 10px;\n    font-size: 16px;\n  }\n\n  .loaning-key-takeaways ul {\n    gap: 7px;\n  }\n\n  .loaning-key-takeaways li {\n    padding-left: 20px;\n    font-size: 14px;\n    line-height: 1.5;\n  }\n\n  .loaning-key-takeaways li::before {\n    top: 4px;\n    width: 12px;\n    height: 12px;\n    font-size: 7px;\n    line-height: 12px;\n  }\n}\n<\/style>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage rates moved lower on August 4 after lenders became more confident that a bond-market rally would hold. Mortgage-backed securities and Treasury yields had already improved on August 3, but many lenders made only limited pricing changes that day. A second day of stronger bonds gave lenders more room to pass part of the improvement through to borrowers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage News Daily&#8217;s daily index put the average top-tier 30-year fixed rate at 6.75%, down from 6.82% one day earlier. That was the lowest reading in a little more than two weeks, although it remained above the year&#8217;s lowest levels.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-why-oil-and-geopolitical-headlines-mattered\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Why Oil and Geopolitical Headlines Mattered<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The bond market strengthened as oil prices fell and investors became more hopeful that diplomatic progress could improve energy flows through the Strait of Hormuz. Lower oil prices can reduce near-term inflation pressure. When inflation expectations ease, Treasury yields and mortgage-backed security yields may also move lower, which can support better mortgage pricing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is not a guaranteed chain reaction. Oil and geopolitical headlines can reverse quickly, and lenders may adjust rate sheets at different speeds. The August 4 improvement should therefore be viewed as a daily market move, not a promise that rates will keep falling.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-rate-benchmark-comparison\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Rate Benchmark Comparison<\/strong><\/h2>\n\n\n\n<div class=\"metro-data-table\">\n  <div class=\"metro-table-scroll\">\n    <table>\n      <colgroup>\n        <col class=\"metro-col-source\">\n        <col class=\"metro-col-period\">\n        <col class=\"metro-col-rate\">\n        <col class=\"metro-col-methodology\">\n      <\/colgroup>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Source<\/th>\n          <th scope=\"col\">Latest period<\/th>\n          <th scope=\"col\">30-year fixed<\/th>\n          <th scope=\"col\">Direction and methodology<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n        <tr>\n          <th scope=\"row\">Mortgage News Daily<\/th>\n          <td>Aug. 4, daily<\/td>\n          <td>6.75%<\/td>\n          <td>Down 0.07 point; based on actual lender rate-sheet movement.<\/td>\n        <\/tr>\n\n        <tr>\n          <th scope=\"row\">Freddie Mac PMMS<\/th>\n          <td>Week ending July 30<\/td>\n          <td>6.66%<\/td>\n          <td>Up 0.08 point; weekly average of qualifying purchase applications.<\/td>\n        <\/tr>\n\n        <tr>\n          <th scope=\"row\">MBA Weekly Survey<\/th>\n          <td>Week ending July 24<\/td>\n          <td>6.76%<\/td>\n          <td>Up 0.07 point, with 0.69 points; defined 80% LTV conforming loans.<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <div class=\"metro-table-disclosure\">\n    <p>\n      Published benchmarks as available early August 5, 2026. The three series are not directly interchangeable.\n    <\/p>\n  <\/div>\n<\/div>\n\n<style>\n  .metro-data-table,\n  .metro-data-table * {\n    box-sizing: border-box;\n  }\n\n  .metro-data-table {\n    width: 100%;\n    max-width: 100%;\n    margin: 20px 0 26px;\n    overflow: hidden;\n    background-color: #ffffff;\n    border: 1px solid #dbeafe;\n    border-radius: 12px;\n    box-shadow: 0 6px 20px rgba(37, 99, 235, 0.05);\n    font-family: \"Pretendard\", -apple-system, BlinkMacSystemFont,\n      \"Apple SD Gothic Neo\", \"Segoe UI\", Arial, sans-serif;\n  }\n\n  .metro-table-scroll {\n    width: 100%;\n    max-width: 100%;\n    overflow-x: auto;\n    overflow-y: visible;\n    -webkit-overflow-scrolling: touch;\n  }\n\n  .metro-data-table table {\n    width: 100%;\n    min-width: 960px;\n    margin: 0;\n    padding: 0;\n    table-layout: fixed;\n    border-collapse: collapse;\n    border-spacing: 0;\n    border: 0;\n  }\n\n  .metro-col-source,\n  .metro-col-period,\n  .metro-col-rate,\n  .metro-col-methodology {\n    width: 25%;\n  }\n\n  .metro-data-table th,\n  .metro-data-table td {\n    min-width: 0;\n    padding: 15px 12px;\n    vertical-align: middle;\n    text-align: left;\n    border-right: 1px solid #e5edf8;\n    border-bottom: 1px solid #e5edf8;\n    white-space: normal;\n    word-break: normal;\n    overflow-wrap: break-word;\n  }\n\n  .metro-data-table th:last-child,\n  .metro-data-table td:last-child {\n    border-right: 0;\n  }\n\n  .metro-data-table thead th {\n    vertical-align: top;\n    background-color: #f3f8ff;\n    color: #1f2937;\n    font-size: 12px;\n    line-height: 1.45;\n    font-weight: 750;\n  }\n\n  .metro-data-table tbody th {\n    color: #1f2937;\n    font-size: 12px;\n    line-height: 1.45;\n    font-weight: 700;\n  }\n\n  .metro-data-table tbody td {\n    color: #4b5563;\n    font-size: 11.5px;\n    line-height: 1.45;\n    font-weight: 500;\n    font-variant-numeric: tabular-nums;\n  }\n\n  .metro-data-table tbody td:nth-child(3) {\n    font-weight: 700;\n  }\n\n  .metro-data-table tbody tr:nth-child(odd) th,\n  .metro-data-table tbody tr:nth-child(odd) td {\n    background-color: #f9fbff;\n  }\n\n  .metro-data-table tbody tr:nth-child(even) th,\n  .metro-data-table tbody tr:nth-child(even) td {\n    background-color: #ffffff;\n  }\n\n  .metro-data-table tbody tr:last-child th,\n  .metro-data-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  .metro-data-table thead th:first-child,\n  .metro-data-table tbody th {\n    position: sticky;\n    left: 0;\n    z-index: 2;\n  }\n\n  .metro-data-table thead th:first-child {\n    z-index: 4;\n    background-color: #f3f8ff;\n    box-shadow: 3px 0 6px rgba(31, 41, 55, 0.05);\n  }\n\n  .metro-data-table tbody th {\n    box-shadow: 3px 0 6px rgba(31, 41, 55, 0.04);\n  }\n\n  .metro-table-disclosure {\n    padding: 11px 16px;\n    background-color: #eef2f7;\n    border-top: 1px solid #dbeafe;\n  }\n\n  .metro-table-disclosure p {\n    margin: 0;\n    color: #4b5563;\n    font-size: 8px;\n    line-height: 1.55;\n    font-weight: 500;\n  }\n\n  @media (max-width: 900px) {\n    .metro-data-table table {\n      min-width: 880px;\n    }\n\n    .metro-data-table th,\n    .metro-data-table td {\n      padding: 13px 10px;\n    }\n  }\n\n  @media (max-width: 620px) {\n    .metro-data-table {\n      border-radius: 10px;\n    }\n\n    .metro-data-table table {\n      min-width: 780px;\n    }\n\n    .metro-data-table th,\n    .metro-data-table td {\n      padding: 11px 9px;\n    }\n\n    .metro-data-table thead th {\n      font-size: 9.5px;\n    }\n\n    .metro-data-table tbody th,\n    .metro-data-table tbody td {\n      font-size: 10px;\n      line-height: 1.4;\n    }\n  }\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-why-the-published-rates-do-not-match\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Why the Published Rates Do Not Match<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The daily and weekly benchmarks measure different borrower profiles and time windows. Mortgage News Daily tracks same-day changes in actual lender rate sheets. Freddie Mac&#8217;s PMMS is a weekly average drawn from qualifying conventional purchase applications submitted from Thursday through Wednesday. MBA reports a weekly contract rate for a defined loan category and includes average points.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That is why the August 4 daily index could fall even while Freddie Mac&#8217;s July 30 release and MBA&#8217;s July 29 release still showed weekly increases. The weekly series captured more of the earlier rate rise, while the daily series captured the latest pullback.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-4 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-what-homebuyers-can-do-now\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>What Homebuyers Can Do Now<\/strong><\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Compare quotes from more than one lender on the same day and at the same lock period.<\/li>\n\n\n\n<li>Review both the interest rate and APR, then confirm the points and lender credits behind the quote.<\/li>\n\n\n\n<li>Ask how a rate lock, float-down option, or extended closing timeline would change pricing and fees.<\/li>\n\n\n\n<li>Base the decision on a payment you can carry now rather than on an unconfirmed forecast of future rate cuts.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-5 wp-block-paragraph\">.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage rates fell to a two-week low because lenders followed improving bond markets more fully on August 4. The move is useful for buyers comparing active quotes, but it does not establish a lasting downward trend. Mortgage rates are influenced by long-term bond markets and inflation expectations; they are not the same as the federal funds rate and do not move one-for-one with it.<\/p>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_mortgage_rates_0806\" style=\"background-color:#49cf7e\"><strong>\ud83d\udc49 Check My Mortgage Rate<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\">.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key Takeaway \ud83d\udd0e Mortgage News Daily&#8217;s 30-year fixed index dropped to 6.75% on August 4, down 0.07 percentage point from the prior day. The move lowered the daily average to its best level in just over two weeks, but borrower-specific quotes can differ substantially. Mortgage rates moved lower on August 4 after lenders became more [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":8167,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[443],"tags":[],"class_list":["post-8193","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mortgage Rates Fall to a Two-Week Low | August 2026<\/title>\n<meta name=\"description\" content=\"Mortgage rates fell to their lowest level in just over two weeks as bonds improved and oil prices eased. See what the move means.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.loaning.ai\/en\/8193\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage Rates Catch Up With the Bond Market\" \/>\n<meta property=\"og:description\" content=\"Mortgage rates fell to their lowest level in just over two weeks as bonds improved and oil prices eased. See what the move means.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/en\/8193\/\" \/>\n<meta property=\"og:site_name\" content=\"Loaning.AI Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-05T08:49:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-05T08:49:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/08\/260123_fight_thumb.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1020\" \/>\n\t<meta property=\"og:image:height\" content=\"735\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"jhryu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jhryu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/\"},\"author\":{\"name\":\"jhryu\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#\\\/schema\\\/person\\\/d1644675e04b2c09848d7c1ce056c8d2\"},\"headline\":\"Mortgage Rates Catch Up With the Bond Market\",\"datePublished\":\"2026-08-05T08:49:02+00:00\",\"dateModified\":\"2026-08-05T08:49:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/\"},\"wordCount\":561,\"publisher\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/260123_fight_thumb.png\",\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/\",\"name\":\"Mortgage Rates Fall to a Two-Week Low | August 2026\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/260123_fight_thumb.png\",\"datePublished\":\"2026-08-05T08:49:02+00:00\",\"dateModified\":\"2026-08-05T08:49:04+00:00\",\"description\":\"Mortgage rates fell to their lowest level in just over two weeks as bonds improved and oil prices eased. See what the move means.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/#primaryimage\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/260123_fight_thumb.png\",\"contentUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/260123_fight_thumb.png\",\"width\":1020,\"height\":735},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8193\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"News\",\"item\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/category\\\/news\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Mortgage Rates Catch Up With the Bond Market\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/\",\"name\":\"Loaning.AI Blog\",\"description\":\"Compare 30 year mortgage rates in US\",\"publisher\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#organization\",\"name\":\"Loaning.AI Blog\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/Group-181.png\",\"contentUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/Group-181.png\",\"width\":153,\"height\":144,\"caption\":\"Loaning.AI Blog\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#\\\/schema\\\/person\\\/d1644675e04b2c09848d7c1ce056c8d2\",\"name\":\"jhryu\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/author\\\/jhryu\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Mortgage Rates Fall to a Two-Week Low | August 2026","description":"Mortgage rates fell to their lowest level in just over two weeks as bonds improved and oil prices eased. See what the move means.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blog.loaning.ai\/en\/8193\/","og_locale":"en_US","og_type":"article","og_title":"Mortgage Rates Catch Up With the Bond Market","og_description":"Mortgage rates fell to their lowest level in just over two weeks as bonds improved and oil prices eased. See what the move means.","og_url":"https:\/\/blog.loaning.ai\/en\/8193\/","og_site_name":"Loaning.AI Blog","article_published_time":"2026-08-05T08:49:02+00:00","article_modified_time":"2026-08-05T08:49:04+00:00","og_image":[{"width":1020,"height":735,"url":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/08\/260123_fight_thumb.png","type":"image\/png"}],"author":"jhryu","twitter_card":"summary_large_image","twitter_misc":{"Written by":"jhryu","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.loaning.ai\/en\/8193\/#article","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/en\/8193\/"},"author":{"name":"jhryu","@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/person\/d1644675e04b2c09848d7c1ce056c8d2"},"headline":"Mortgage Rates Catch Up With the Bond Market","datePublished":"2026-08-05T08:49:02+00:00","dateModified":"2026-08-05T08:49:04+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.loaning.ai\/en\/8193\/"},"wordCount":561,"publisher":{"@id":"https:\/\/blog.loaning.ai\/en\/#organization"},"image":{"@id":"https:\/\/blog.loaning.ai\/en\/8193\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/08\/260123_fight_thumb.png","articleSection":["News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/blog.loaning.ai\/en\/8193\/","url":"https:\/\/blog.loaning.ai\/en\/8193\/","name":"Mortgage Rates Fall to a Two-Week Low | August 2026","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blog.loaning.ai\/en\/8193\/#primaryimage"},"image":{"@id":"https:\/\/blog.loaning.ai\/en\/8193\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/08\/260123_fight_thumb.png","datePublished":"2026-08-05T08:49:02+00:00","dateModified":"2026-08-05T08:49:04+00:00","description":"Mortgage rates fell to their lowest level in just over two weeks as bonds improved and oil prices eased. See what the move means.","breadcrumb":{"@id":"https:\/\/blog.loaning.ai\/en\/8193\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.loaning.ai\/en\/8193\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/blog.loaning.ai\/en\/8193\/#primaryimage","url":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/08\/260123_fight_thumb.png","contentUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/08\/260123_fight_thumb.png","width":1020,"height":735},{"@type":"BreadcrumbList","@id":"https:\/\/blog.loaning.ai\/en\/8193\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blog.loaning.ai\/en\/"},{"@type":"ListItem","position":2,"name":"News","item":"https:\/\/blog.loaning.ai\/en\/category\/news\/"},{"@type":"ListItem","position":3,"name":"Mortgage Rates Catch Up With the Bond Market"}]},{"@type":"WebSite","@id":"https:\/\/blog.loaning.ai\/en\/#website","url":"https:\/\/blog.loaning.ai\/en\/","name":"Loaning.AI Blog","description":"Compare 30 year mortgage rates in US","publisher":{"@id":"https:\/\/blog.loaning.ai\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.loaning.ai\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/blog.loaning.ai\/en\/#organization","name":"Loaning.AI Blog","url":"https:\/\/blog.loaning.ai\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/logo\/image\/","url":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2024\/11\/Group-181.png","contentUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2024\/11\/Group-181.png","width":153,"height":144,"caption":"Loaning.AI Blog"},"image":{"@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/person\/d1644675e04b2c09848d7c1ce056c8d2","name":"jhryu","url":"https:\/\/blog.loaning.ai\/en\/author\/jhryu\/"}]}},"views":11,"_links":{"self":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts\/8193","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/comments?post=8193"}],"version-history":[{"count":2,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts\/8193\/revisions"}],"predecessor-version":[{"id":8200,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts\/8193\/revisions\/8200"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/media\/8167"}],"wp:attachment":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/media?parent=8193"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/categories?post=8193"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/tags?post=8193"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}