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As of July 11, 2025, mortgage rates remain mixed, with the 30-year fixed at 6.625% and 15-year rates at 5.75%.

Applications for mortgages jumped 9.4% for the week ending July 4, as purchase activity reached its highest level since 2023. The surge comes as mortgage rates fell to 6.77%, the lowest reading in three months.

Mortgage rates moved up this week, with the 30-year fixed rate averaging 6.78 percent, compared to 6.72 percent the previous week, according to Bankrate’s latest lender survey.

While first mortgage rates are impacted by the 10-year Treasury note, home equity loan rates are influenced to a greater degree by the federal-funds rate. When the Fed cuts its benchmark rate ...

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances, $806,500 or less, decreased to 6.77% from 6.79%, with points holding steady at 0.62, including the origination fee, for loans with a 20% down payment. That was the lowest level in three months.

Mortgage loans interest rates, both variable and fixed, the last representing over 99% of all new mortgage loans granted today, will increase in the second half of 2025, according to a market analysis issued by online broker Ipotecare.

An out-of-date mantra that once lured in prospective homebuyers is being criticized by mortgage originators who say clients were “misled.”