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Mortgage rates mostly higher on July 15, 2026, Zillow data shows

The 30-year fixed purchase rate rose to 6.46%, while the 5/1 ARM increased to 6.65% for new borrowers, according to Zillow’s lender marketplace.

Friday, July 17, 2026 · Written up by our desk · Mortgages

Mortgage and refinance rates were mostly higher on Wednesday, July 15, 2026, according to data from the Zillow lender marketplace.

The 30-year fixed-rate purchase loan edged up 4 basis points to 6.46%. The 20-year fixed purchase rate rose 13 basis points to 6.32%, while the 15-year fixed purchase rate fell 6 basis points to 5.86%.

Rates were mixed across other terms, with the 5/1 ARM purchase rate climbing 8 basis points to 6.65%. The article notes these are national averages rounded to the nearest hundredth.

The piece also reiterates that refinance rates are often higher than purchase rates, though that is not always the case, and points readers to a mortgage calculator to see how interest rates affect monthly payments.

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