Average 30-year fixed mortgage rates rise 7 basis points to 6.65%, while 5/1 ARM rates fall 9 basis points to 6.25%.
Average 30-year fixed mortgage rates increased 7 basis points to 6.65% on August 14, 2026, while 15-year fixed rates rose 6 basis points to 6.07%. The moves follow shifts in lender pricing and market expectations for borrowing costs.
Adjustable-rate mortgages declined, with the 5/1 ARM falling 9 basis points to 6.25%. Refinance rates for 30-year fixed loans edged up to 6.67%, slightly above purchase rates, reflecting typical lender margins.
National averages are based on a survey of lenders offering the lowest rates, though individual terms may vary with credit profiles and fees.