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Today's mortgage rate.

The national average for a conventional, conforming mortgage — for borrowers with strong credit and 20% down. It's a benchmark, not your quote. Our network routinely bids below it.

Week of July 30, 2026 · Updated Thursdays 12 p.m. ET
30-Year Fixed
6.66%
6.69% APR · national average
▲ 0.08% vs. last week
▼ 0.06% vs. a year ago
15-Year Fixed
6.04%
6.08% APR · national average
▲ 0.08% vs. last week
▲ 0.19% vs. a year ago
What these rates assume
  • Rates as of: week of July 30, 2026 (Freddie Mac PMMS®, published Thursdays)
  • Product: 30- and 15-year fixed, conventional conforming, first lien
  • Loan amount: conforming — up to $832,750 baseline; up to $1,104,000 high-balance in San Diego County (2026)
  • LTV / down payment: 80% LTV (20% down)
  • Credit: excellent-credit borrower (PMMS survey assumption), including average discount points
  • Occupancy: owner-occupied primary residence

Your rate will differ with your loan amount, LTV, credit profile, occupancy, and product. All programs subject to underwriting approval.

This week

Rates tick higher this week.

  • 30-year fixed — 6.66% Up from 6.58% a week ago. A year ago, it averaged 6.72%.
  • 15-year fixed — 6.04% Up from 5.96% a week ago. A year ago, it averaged 5.85%.
  • The takeaway Rates have climbed for four straight weeks. For buyers and refinancers, the spread between the average and the best available offer is where real money sits.

30-year fixed

Last 14 weeks
6.76% 6.48% 6.20% 6.66% Apr May Jul Jul
At a glance

This week vs. history

Product This week Last week 4 weeks ago 1 year ago
30-Year Fixed 6.66% 6.58% 6.43% 6.72%
15-Year Fixed 6.04% 5.96% 5.79% 5.85%

The average is just the starting line.

This number is what lenders advertise. Upload the Loan Estimate you already have and our network bids to beat it — no credit pull, no obligation. Most uploads come back lower than the headline rate.

Beat this rate ↗ Call Now — (833) 803-8333
Methodology & FAQ

How to read this number

Where do these rates come from?
They're the weekly national average from Freddie Mac's Primary Mortgage Market Survey® (PMMS®) of conventional, conforming mortgage rates — published every Thursday at noon ET. The averages assume a borrower with strong credit, a 20% down payment, and a small number of discount points.
Why is my quote different?
Your rate depends on your credit score, loan-to-value, loan type (FHA, VA, jumbo, non-QM), points, property type, and even your state. The average is a single national snapshot for an ideal-profile borrower — it's a reference point, not an offer.
Do these include points and fees?
The survey rate assumes a small number of points. The APR shown alongside each rate folds lender fees into the cost, which makes it the better number for comparing one offer against another.
How often do rates change?
This benchmark is published weekly, but the market moves daily — sometimes hourly. That's why locking your rate matters: once locked, it won't change before closing (subject to your lock period and any change in circumstances).
Can I actually beat the average?
Often, yes. The advertised average reflects retail bank pricing with markup baked in. VegaFi routes your scenario across a wholesale network of 50+ lenders — and with CounterOffer, they bid against each other to beat the deal you already have.
Lock it in

Don't shop the average.
Beat it.

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Rates shown are the weekly national averages from Freddie Mac's Primary Mortgage Market Survey® (PMMS®), last updated July 30, 2026. They do not represent a commitment to lend or a guarantee of any specific rate, which depends on your individual circumstances, market conditions, and lender participation. APR figures are estimates. All programs subject to underwriting approval. Not financial advice. Vega Financing, LLC · NMLS #2493744 · Equal Housing Opportunity.