{"generated":"2026-11-10","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-w31","label":"Week of Jul 27, 2026","start":"2026-07-27","end":"2026-08-02","rates":{"m30":{"date":"2026-07-30","value":6.66,"wow_bp":8,"yoy_bp":-6},"m15":{"date":"2026-07-30","value":6.04,"wow_bp":8,"yoy_bp":19},"t10":{"date":"2026-07-31","value":4.75,"wow_bp":6},"t2":{"date":"2026-07-31","value":4.28,"wow_bp":-5},"curve":{"date":"2026-07-31","value":0.47,"wow_bp":11},"sofr":{"date":"2026-07-31","value":3.66,"wow_bp":2}},"lending":{"date":"2026-07-29","usd_billions":3117.1,"yoy_pct":3.15,"four_week_pct":0.45},"permits":{"covered":true,"through":"2026-10-26","count":193,"valuation":29554048.88,"sectors":[["residential",124],["other",52],["retail",14],["multifamily",3]]},"calendar":{"meetings":[{"city":"Highfill","body":"Planning Commission","date":"2026-07-28","items":2,"url":"https://highfillarkansas.gov/planning-commission/"},{"city":"Tontitown","body":"Planning Commission","date":"2026-07-28","items":5,"url":"https://www.tontitown.com/wp-content/uploads/2026/07/Scans_20260724_163715.pdf"}],"hearings":[{"title":"Tontitown \u2014 LSD +8,400 sq ft at 500 Jean Mary Dr","city":"Tontitown","date":"2026-07-28","slug":"2026-07-28__tontitown-lsd-8-400-sq-ft-at-500-jean-mary-dr"}],"road_news":[],"feed_as_of":"2026-10-25"},"releases":{"out":[{"date":"2026-07-29","time":"1:00 PM CT","agency":"Federal Reserve","release":"Fed rate decision (FOMC)","what":"Target range for the federal funds rate; moves SOFR and short-term loan pricing","page":"/national/"},{"date":"2026-07-29","time":"9:00 AM CT","agency":"BLS","release":"NWA metro jobs and unemployment","what":"Jobs by industry and the metro jobless rate","page":"/economy/"}],"next":[{"date":"2026-08-07","time":"7:30 AM CT","agency":"BLS","release":"National jobs report","what":"U.S. payrolls and unemployment","page":"/national/"}]},"chart_m30":[["2026-02-05",6.11],["2026-02-12",6.09],["2026-02-19",6.01],["2026-02-26",5.98],["2026-03-05",6.0],["2026-03-12",6.11],["2026-03-19",6.22],["2026-03-26",6.38],["2026-04-02",6.46],["2026-04-09",6.37],["2026-04-16",6.3],["2026-04-23",6.23],["2026-04-30",6.3],["2026-05-07",6.37],["2026-05-14",6.36],["2026-05-21",6.51],["2026-05-28",6.53],["2026-06-04",6.48],["2026-06-11",6.52],["2026-06-18",6.47],["2026-06-25",6.49],["2026-07-02",6.43],["2026-07-09",6.49],["2026-07-16",6.55],["2026-07-23",6.58],["2026-07-30",6.66]],"chart_t10":[["2026-02-05",4.21],["2026-02-12",4.09],["2026-02-19",4.08],["2026-02-26",4.02],["2026-03-05",4.13],["2026-03-12",4.27],["2026-03-19",4.25],["2026-03-26",4.42],["2026-04-02",4.31],["2026-04-09",4.29],["2026-04-16",4.32],["2026-04-23",4.34],["2026-04-30",4.4],["2026-05-07",4.41],["2026-05-14",4.47],["2026-05-21",4.57],["2026-05-28",4.45],["2026-06-04",4.47],["2026-06-11",4.45],["2026-06-18",4.46],["2026-06-25",4.4],["2026-07-02",4.49],["2026-07-09",4.54],["2026-07-16",4.57],["2026-07-23",4.71],["2026-07-30",4.68]],"takeaways":["The 30-year fixed averaged 6.66% in Freddie Mac's survey this week, 8 bp above last week and 6 bp lower than a year ago.","The 10-year Treasury closed the week at 4.75%, up 6 bp on the week; the 10-year sat 0.47 points above the 2-year.","Commercial real estate loans on U.S. bank books stood at $3.12 trillion in the Jul 29 reading, up 3.2% from a year earlier.","Bentonville issued 193 permits carrying $29.6M in printed valuation; the largest was a commercial building permit at 2073 E Fargo Rd ($16.2M).","Official data out this week: Fed rate decision (Wed); NWA metro jobs and unemployment (Wed).","2 land-use meetings on the public calendar (Highfill, Tontitown) carried 7 agenda items."]}