Los Angeles Times
Mortgage rate climbs above 6.50% to highest level in months - Los Angeles Times
They generally follow the trajectory of the 10-year Treasury yield, which lenders use as a guide to pricing home loans. Advertisement. Rates have ...
Current Rates
Updated on 2026-07-21 [click for more]
Bank Prime Rate
As of 2026-07-21
6.75%
15Y Fixed (Weekly)
As of 2026-07-16
5.93%
30Y Fixed (Weekly)
As of 2026-07-16
6.55%
30Y Fixed (Optimal Blue Daily)
As of 2026-07-21
6.60%
30Y Jumbo (Optimal Blue Daily)
As of 2026-07-21
6.62%
Rate Trend
Rates data are from the FRED®, this site is not endorsed or certified by the Federal Reserve Bank of St. Louis.
Market Summary As of 2026-07-23
The US mortgage market exhibits moderate rate volatility, influenced by Treasury yields and persistent inflation concerns. While 30-year fixed rates hover around 6.5%, 15-year rates offer a slight advantage. Lender spreads remain a key factor. Housing inventory is gradually improving, but affordability challenges persist for many buyers.
Today: 2026-07-23
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Estimates are for illustration only and do not include HOA fees or PMI.
Open full calculator suite (includes Buy vs Wait) →Estimated Monthly Payment
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P&I
$0
Taxes
$0
Ins
$0
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