Today's Mortgage Rates
The Mortgage News Daily rate index is published daily (weekdays) around 4PM EST. Learn About Our Rate Survey
Updated weekdays at aprox 4PM EST.
POSITIVE
MINIMAL
NEGATIVE
MBS prices are
moderately weaker
so far today. This downward movement of MBS may result in higher mortgage rates for today.
This tool provides an idea of the underlying trends
in MBS that may influence mortgage rates today.
It is not intended to forecast lender rate changes.
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Mortgage Rate Watch
Daily Mortgage Rate Market Analysis
Wed, Jul 15 2026, 2:40 PM
Mortgage rates moved lower again today following another lower-than-expected reading on an inflation report. Yesterday's Consumer Price Index (CPI) had a bigger impact on the underlying bond market, but today's Producer Price Index (PPI) wasn't far behind.
Additionally, bonds did a better job of holding onto the improvement into the afternoon hours. This allowed mortgage lenders to drop rates even more than they did yesterday (0.06% today versus 0.05% yesterday). This takes the average top-tier 30yr fixed rate to 6.64% which is the lowest in just over a week.
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| Rate | Points | Change | |
|---|---|---|---|
|
7/16/26
Mortgage News Daily - daily
|
|||
| 30 Yr. Fixed | 6.68% | -- | +0.04% |
| 15 Yr. Fixed | 6.19% | -- | +0.01% |
| 30 Yr. Jumbo | 6.84% | -- | +0.01% |
| 7/6 SOFR ARM | 6.34% | -- | +0.04% |
| 30 Yr. FHA | 6.29% | -- | +0.02% |
| 30 Yr. VA | 6.30% | -- | +0.01% |
|
7/16/26
Freddie Mac - weekly
|
|||
| 30 Yr. Fixed | 6.55% | 0.00 | +0.06% |
| 15 Yr. Fixed | 5.93% | 0.00 | +0.11% |
|
7/8/26
MBA - weekly
|
|||
| 30 Yr. Fixed | 6.58% | 0.64 | +0.01% |
| 15 Yr. Fixed | 5.99% | 0.71 | -0.01% |
| 30 Yr. FHA | 6.28% | 0.79 | +0.01% |
| 30 Yr. Jumbo | 6.50% | 0.42 | -0.02% |
| 7/6 SOFR ARM | 5.84% | 0.94 | +0.05% |
POSITIVE
MINIMAL
NEGATIVE
MBS prices are
moderately weaker
so far today. This downward movement of MBS may result in higher mortgage rates for today.
| Change | 52 Week Range | |||||||
|---|---|---|---|---|---|---|---|---|
| Rate | Points | Previous | 1 Year | Low | High | |||
|
as of 7/16/26
Mortgage News Daily - updated daily
|
||||||||
| 30 Yr. Fixed | 6.68% | -- | +0.04% | -0.15% | 5.99% |
|
6.83% |
|
| 15 Yr. Fixed | 6.19% | -- | +0.01% | +0.11% | 5.55% |
|
6.25% |
|
| 30 Yr. Jumbo | 6.84% | -- | +0.01% | -0.09% | 6.10% |
|
6.93% |
|
| 7/6 SOFR ARM | 6.34% | -- | +0.04% | +0.02% | 5.29% |
|
6.49% |
|
| 30 Yr. FHA | 6.29% | -- | +0.02% | -0.12% | 5.62% |
|
6.41% |
|
| 30 Yr. VA | 6.30% | -- | +0.01% | -0.12% | 5.64% |
|
6.42% |
|
|
as of 7/16/26
Freddie Mac - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.55% | 0.00 | +0.06% | -0.17% | 5.98% |
|
6.75% |
|
| 15 Yr. Fixed | 5.93% | 0.00 | +0.11% | +0.07% | 5.35% |
|
5.93% |
|
|
as of 7/8/26
Mortgage Bankers Association - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.58% | 0.64 | +0.01% | -0.21% | 6.09% |
|
7.01% |
|
| 15 Yr. Fixed | 5.99% | 0.71 | -0.01% | -0.07% | 5.48% |
|
6.45% |
|
| 30 Yr. FHA | 6.28% | 0.79 | +0.01% | -0.25% | 5.97% |
|
6.80% |
|
| 30 Yr. Jumbo | 6.50% | 0.42 | -0.02% | -0.28% | 6.16% |
|
7.17% |
|
| 7/6 SOFR ARM | 5.84% | 0.94 | +0.05% | -0.15% | 5.23% |
|
6.48% |
|
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