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All • July 2, 2026

Mortgage Rates Decline

by Rodney Ward

Freddie Mac today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.43%.

“The 30-year fixed-rate mortgage eased slightly this week averaging 6.43%” said Sam Khater, Freddie Mac’s Chief Economist. “With rates at a seven-week low and purchase demand continuing to edge higher, it’s an encouraging sign as prospective homebuyers respond to modest improvements in affordability.”

  • The 30-year FRM averaged 6.43% as of July 2, 2026, down from last week when it averaged 6.49%. A year ago at this time, the 30-year FRM averaged 6.67%.
  • The 15-year FRM averaged 5.79%, down from last week when it averaged 5.84%. A year ago at this time, the 15-year FRM averaged 5.80%.

The PMMS® is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit.

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