{"generated":"2026-10-06","sources":{"rates":"Freddie Mac PMMS; U.S. Treasury; NY Fed SOFR (via FRED)","lending":"Federal Reserve H.8, CRE loans at all commercial banks (via FRED CREACBW027SBOG)","permits":"City of Bentonville monthly permits-issued reports (public record)","calendar":"City and county agendas; ARDOT news releases","releases":"Official release calendars: BLS, Census, FHFA, Federal Reserve"},"terms":"Free to use with attribution to The 479 Report and the sources named. Market commentary, not advice.","cadence":"weekly","slug":"2026-w03","label":"Week of Jan 12, 2026","start":"2026-01-12","end":"2026-01-18","rates":{"m30":{"date":"2026-01-15","value":6.06,"wow_bp":-10,"yoy_bp":-98},"m15":{"date":"2026-01-15","value":5.38,"wow_bp":-8,"yoy_bp":-89},"t10":{"date":"2026-01-16","value":4.24,"wow_bp":6},"t2":{"date":"2026-01-16","value":3.59,"wow_bp":5},"curve":{"date":"2026-01-16","value":0.65,"wow_bp":1},"sofr":{"date":"2026-01-16","value":3.65,"wow_bp":1}},"lending":{"date":"2026-01-14","usd_billions":3064.9,"yoy_pct":2.06,"four_week_pct":0.14},"permits":{"covered":false,"through":"2026-08-31","from":"2026-04-01"},"calendar":{"meetings":[],"hearings":[],"road_news":[],"feed_as_of":"2026-09-10"},"releases":{"out":[],"next":[]},"chart_m30":[["2025-07-24",6.74],["2025-07-31",6.72],["2025-08-07",6.63],["2025-08-14",6.58],["2025-08-21",6.58],["2025-08-28",6.56],["2025-09-04",6.5],["2025-09-11",6.35],["2025-09-18",6.26],["2025-09-25",6.3],["2025-10-02",6.34],["2025-10-09",6.3],["2025-10-16",6.27],["2025-10-23",6.19],["2025-10-30",6.17],["2025-11-06",6.22],["2025-11-13",6.24],["2025-11-20",6.26],["2025-11-26",6.23],["2025-12-04",6.19],["2025-12-11",6.22],["2025-12-18",6.21],["2025-12-24",6.18],["2025-12-31",6.15],["2026-01-08",6.16],["2026-01-15",6.06]],"chart_t10":[["2025-07-24",4.43],["2025-07-31",4.37],["2025-08-07",4.23],["2025-08-14",4.29],["2025-08-21",4.33],["2025-08-28",4.22],["2025-09-04",4.17],["2025-09-11",4.01],["2025-09-18",4.11],["2025-09-25",4.18],["2025-10-02",4.1],["2025-10-09",4.14],["2025-10-16",3.99],["2025-10-23",4.01],["2025-10-30",4.11],["2025-11-06",4.11],["2025-11-13",4.11],["2025-11-20",4.1],["2025-11-26",4.0],["2025-12-04",4.11],["2025-12-11",4.14],["2025-12-18",4.12],["2025-12-24",4.15],["2025-12-31",4.18],["2026-01-08",4.19],["2026-01-15",4.17]],"takeaways":["The 30-year fixed averaged 6.06% in Freddie Mac's survey this week, 10 bp below last week and 98 bp lower than a year ago.","The 10-year Treasury closed the week at 4.24%, up 6 bp on the week; the 10-year sat 0.65 points above the 2-year.","Commercial real estate loans on U.S. bank books stood at $3.06 trillion in the Jan 14 reading, up 2.1% from a year earlier."]}