According to CoinMeta, on August 10, 2026, mortgage and refinancing rates saw a decrease compared to the previous week. The current 30-year fixed mortgage rate is 6.51%, which is 13 basis points lower than the current refinancing rate. The 15-year fixed mortgage rate is 6.01%, which is 2 basis points lower than the 15-year refinancing rate. The 5/1 ARM mortgage rate is 6.37%, which is 13 basis points lower than the 5/1 refinancing rate. According to Zillow data, the current mortgage rates represent the national average and may vary depending on region and credit score.