National 30-year fixed mortgage rates climb to 6.65% while refinance rates hold at 6.57%, widening the spread to 8 basis points.
National 30-year fixed mortgage rates increased to 6.65% on August 3, 2026, marking an 8-basis-point gap over refinance rates at 6.57%. The move reflects mixed lending conditions at the start of the week.
Fifteen-year fixed rates remained steady at 6.01% for both purchase and refinance loans, while 5/1 adjustable-rate mortgages saw purchase rates at 6.65%, 3 basis points below refinance levels. VA loan rates continued to offer slight discounts across terms.
The divergence follows a weekly lender survey showing upward pressure on longer-term borrowing costs, though shorter-term and government-backed loans held relatively stable.