Mortgage rates: Week of July 20, 2026
A plain, factual recap of where U.S. mortgage-rate benchmarks moved during Jul 20–24, 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 | 6.564% | 6.647% | +8 bp |
| 15-yr conventional | 5.953% | 5.958% | flat |
| FHA 30-yr | 6.357% | 6.488% | +13 bp |
| VA 30-yr | 6.227% | 6.285% | +6 bp |
| 10-yr Treasury (the driver) | 4.600% | 4.690% | +9 bp |
Over Jul 20–24, 2026, the conventional 30-year benchmark opened at 6.564% and closed at 6.647%. The 10-year Treasury climbed 9bp on the week, and conventional 30-year mortgage rates followed higher.
The 15-year conventional closed the week at 5.958%; FHA 30-year at 6.488%. 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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