On July 23, 2026, Freddie Mac released the results of its Primary Mortgage Market Survey, revealing the 30-year fixed-rate mortgage (FRM) averaged 6.58%, up from the week before when it averaged 6.55%. A year ago at this time, the 30-year FRM averaged 6.74%.
“The 30-year fixed-rate mortgage averaged 6.58% this week,” said Sam Khater, Freddie Mac’s Chief Economist. “As market conditions continue to evolve, borrowers should remember that shopping around for a mortgage rate can make a meaningful difference, potentially saving them thousands over the loan’s lifetime.”
The 15-year FRM averaged 5.96%, up from the week before when it averaged 5.93%. A year ago at this time, the 15-year FRM averaged 5.87%.
