Mortgage rates: Week of July 13, 2026
A plain, factual recap of where U.S. mortgage-rate benchmarks moved during Jul 13–17, 2026 — the OBMMI medians RallyRates tracks and the 10-year Treasury that anchors them. We report the moves; we never forecast.
| Benchmark | Mon | Fri | Week |
|---|---|---|---|
| 30-yr conventional | 6.586% | 6.537% | −5 bp |
| 15-yr conventional | 5.798% | 5.883% | +8 bp |
| FHA 30-yr | 6.308% | 6.318% | +1 bp |
| VA 30-yr | 6.153% | 6.138% | −1 bp |
| 10-yr Treasury (the driver) | 4.620% | 4.550% | −7 bp |
Over Jul 13–17, 2026, the conventional 30-year benchmark opened at 6.586% and closed at 6.537%. The 10-year Treasury eased 7bp on the week, and conventional 30-year mortgage rates followed lower.
The 15-year conventional closed the week at 5.883%; FHA 30-year at 6.318%. These are benchmark medians, not a lender quote — for a live, lowest-APR-first board of real published rates, open the terminal.
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