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All • Buying • Selling • July 9, 2026

Mortgage Rates Hover in Mid Six Range

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 6.49%.

“The 30-year fixed-rate mortgage averaged 6.49% this week,” said Sam Khater, Freddie Mac’s Chief Economist. “Mortgage rates have not changed much recently, but economic growth and housing affordability continue to improve for homebuyers as they shop for homes in today’s market.”

  • The 30-year FRM averaged 6.49% as of July 9, 2026, up from last week when it averaged 6.43%. A year ago at this time, the 30-year FRM averaged 6.72%.
  • The 15-year FRM averaged 5.82%, up from last week when it averaged 5.79%. A year ago at this time, the 15-year FRM averaged 5.86%.

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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