Mortgage Rates
Mortgage rates today
TheDesperateTrader.com· current 30-year and 15-year fixed rates
The latest average fixed mortgage rates from Freddie Mac’s weekly survey, straight from the Federal Reserve’s official data. These are the rates for the week of July 9, 2026. Individual lender quotes move daily with the bond market, so use these as the national benchmark.
30-Year Fixed
6.49%
▲ 6 bps this week
15-Year Fixed
5.82%
▲ 3 bps this week
30-year rate, past 12 months
range 5.98% – 6.75%About these rates
These are Freddie Mac Primary Mortgage Market Survey (PMMS) national average rates for conventional, conforming, fixed-rate mortgages, sourced from the Federal Reserve Bank of St. Louis (FRED). They are published weekly. Mortgage rates track the 10-year Treasury yield closely, so they move with inflation data, Fed policy and the broader bond market, all of which you can follow on our economic calendar. This page is informational and not a rate quote or financial advice.