mortgage rates are generally higher today, Wednesday, July 15, 2026, than yesterday.
According to the Zillow lender marketplace, mortgage rates are generally higher today, Wednesday, July 15, 2026, than yesterday. The 30-year fixed-rate purchase loan rose 4 basis points to 6.46%; the 20-year fixed purchase loan increased 13 basis points to 6.32%; the 15-year fixed purchase loan declined 6 basis points to 5.86%; and the 5/1 ARM purchase rate rose 8 basis points to 6.65%.
Weekly survey of mortgage lenders with the lowest rates: Rates bubble higher Today’s purchase mortgage rates Here are the current mortgage rates for Wednesday, July 15, 2026, according to the latest Zillow data: – 30-year fixed: 6.46% – 20-year fixed: 6.32% – 15-year fixed: 5.86% – 5/1 ARM: 6.65% – 7/1 ARM: 6.32% – 30-year VA: 5.93% – 15-year VA: 5.62% – 5/1 VA: 5.81% Remember, these are the national averages and rounded to the nearest hundredth. Learn about how mortgage rates are determined Today’s mortgage refinance rates These are today’s mortgage refinance rates for Wednesday, July 15, 2026, according to the latest Zillow data: – 30-year fixed: 6.53% – 20-year fixed: 6.43% – 15-year fixed: 6% – 5/1 ARM: 6.53% – 7/1 ARM: 6.35% – 30-year VA: 5.95% – 15-year VA: 5.56% – 5/1 VA: 5.63% Again, the numbers provided are national averages rounded to the nearest hundredth. Mortgage refinance rates are often higher than rates when you buy a house, although that’s not always the case.
Learn more: 8 tips for getting the lowest mortgage rates Use our mortgage calculator Use the mortgage calculator below to see how various interest rates and loan amounts will affect your monthly payments. It also shows how the term length plays into things. This embedded content is not available in your region.