Average U.S. 30-year fixed mortgage rates rose to 6.47% amid mixed movements across other loan types.
U.S. 30-year fixed mortgage rates increased by 12 basis points to 6.47% on July 10, 2026, according to lender data. The rise contrasts with a 3 basis point decline in 15-year fixed rates, which settled at 5.86%. Adjustable-rate mortgages also saw upward pressure, with 5/1 ARMs rising 11 basis points to 6.46%.
The latest figures follow a week of volatility in mortgage markets, with rates fluctuating near multi-month highs. Refinance rates mirrored purchase trends, though 5/1 ARM refinance rates edged higher to 6.54%. VA loan rates remained comparatively stable, with 30-year VA refinance rates at 5.75%.
National averages reflect broader economic conditions, including inflation expectations and Federal Reserve policy signals. Borrowers face elevated costs, with rates remaining above 2023 lows but below 2024 peaks.