National averages for 30-year, 20-year, 15-year fixed and adjustable-rate mortgages rose by 7 to 17 basis points today.
U.S. conventional mortgage rates increased across all loan terms on May 13, 2026, with the 30-year fixed-rate rising 7 basis points to 6.26%. The 20-year fixed loan climbed 16 basis points to 6.22%, while the 15-year fixed rate added 11 basis points to 5.76%. Adjustable-rate mortgages also saw gains, with the 5/1 ARM up 17 basis points to 6.47% and the 7/1 ARM increasing 13 basis points to 6.30%.
Yesterday’s rates were lower across the board, though specific prior-day figures were not provided. The increases follow a period of relative stability in mortgage rates, which have fluctuated modestly in recent weeks amid shifting expectations for Federal Reserve policy. Refinance rates also moved higher, with the 30-year fixed refinance rate at 6.23% and the 15-year fixed refinance rate at 5.66%.
VA loan rates remained slightly lower than conventional rates, with the 30-year VA fixed rate at 5.65% and the 15-year VA fixed rate at 5.23%. The data reflects national averages rounded to the nearest hundredth of a percent.