Collection window: 2026-08-01 through 2026-08-15
FOMC held the target range at 3.50%–3.75% on 2026-07-29 (9–3 vote; three members preferred ↑25bps). No inter-meeting action during this window.
Bank Prime held at 6.75% across all business days 2026-08-07 through 2026-08-13 per H.15. Any peer HELOC APR or margin change observed during this collection window is institution-driven. The contractual index did not reset.
PMMS 2026-08-13: 30-year FRM 6.67% (↓2bps week-over-week), 15-year FRM 5.96% (↓5bps). Year-over-year: 30-year +9bps, 15-year +25bps. Week-over-week deltas within ±5bps; no multi-peer repricing trigger at these levels.
Treasury curve mixed. Short maturities declined (1-year ↓4bps to 3.97%, 2-year ↓4bps to 4.15%). Long end rose (30-year ↑2bps to 5.21% through 8/13; Treasury daily curve shows 5.25% on 8/14). Curve normal-sloped at all monitored maturities.
Rates as of 2026-08-13 [Confirmed]
| Series | Level | Wk Δ |
|---|---|---|
| Fed funds (eff.) | 3.63% | unch. |
| Prime | 6.75% | unch. |
| 1-yr CMT | 3.97% | ↓4bps |
| 5-yr CMT | 4.32% | ↓3bps |
| 10-yr CMT | 4.63% | ↓2bps |
| 30-yr CMT | 5.21% | ↑2bps |
| PMMS 30-yr | 6.67% | ↓2bps |
| PMMS 15-yr | 5.96% | ↓5bps |
Source: H.15 release dated 2026-08-14 (data through 8/13); Freddie Mac PMMS 2026-08-13.
8/14 long-end move: 10-yr CMT 4.68%, 30-yr 5.25% per Treasury daily curve. Not yet reflected in H.15. Monitor for mortgage repricing response next cycle.
SOFR: No monitored loan product names SOFR as contractual index. Excluded from table.