Mortgage Rate Impact Lab

Mortgage rate history

A dated five-week national fixed-rate benchmark history. It is not a live-rate feed, APR, quote, or offer.

Current weekly observationLatest verified source observation is within the 14-day freshness window.

30-year fixed benchmark

6.66%

Latest observation
July 30, 2026
Retrieved
August 5, 2026
Five-week history for 30-year fixed benchmark Five weekly observations: 6.43 percent, 6.49 percent, 6.55 percent, 6.58 percent, 6.66 percent. 6.25%6.63%7.00% 6.43Jul 26.49Jul 96.55Jul 166.58Jul 236.66Jul 30
Weekly observations ending Thursday. Values are annual interest-rate percentages.

+0.08 pp week over week

15-year fixed benchmark

6.04%

Latest observation
July 30, 2026
Retrieved
August 5, 2026
Five-week history for 15-year fixed benchmark Five weekly observations: 5.79 percent, 5.82 percent, 5.93 percent, 5.96 percent, 6.04 percent. 5.50%5.88%6.25% 5.79Jul 25.82Jul 95.93Jul 165.96Jul 236.04Jul 30
Weekly observations ending Thursday. Values are annual interest-rate percentages.

+0.08 pp week over week

Source and limitations

Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Freddie Mac describes the comparable PMMS profile as conventional, conforming, owner-occupied purchase applications for a one-unit property, with good or excellent credit and 20% down. Actual borrower pricing can differ with credit, property, product, points, lock period, geography and lender.

This page deliberately shows only the verified five-week record in this project. It does not imply a longer historical series or replace the source’s methodology.

Review formulas and primary sources Read the corrections policy