Mortgage rates: Week of July 27, 2026
A plain, factual recap of where U.S. mortgage-rate benchmarks moved during Jul 27–31, 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 | 6.645% | 6.716% | +7 bp |
| 15-yr conventional | 5.989% | 6.017% | +3 bp |
| FHA 30-yr | 6.444% | 6.482% | +4 bp |
| VA 30-yr | 6.256% | 6.323% | +7 bp |
| 10-yr Treasury (the driver) | 4.650% | 4.750% | +10 bp |
Over Jul 27–31, 2026, the conventional 30-year benchmark opened at 6.645% and closed at 6.716%. The 10-year Treasury climbed 10bp on the week, and conventional 30-year mortgage rates followed higher.
The 15-year conventional closed the week at 6.017%; FHA 30-year at 6.482%. These are benchmark medians, not a lender quote — for a live, lowest-APR-first board of real published rates, open the terminal.
On the calendar that week: FOMC rate decision (Wed) — the scheduled releases that most move the Treasury market behind mortgage rates. We note what was on the docket, not a cause.