Mortgage Rates Today — July 19, 2026}

Current 30-Year Fixed Rates

Mortgage rates today stand at a national average of 6.77% for a 30-year fixed loan, according to the latest daily survey data. This figure is 0.22 percentage points above the 6.55% reported by FRED on July 16 2026. The spread between the 30-year mortgage and the 10-year Treasury yield of 4.57% remains wide at 1.98 percentage points, reflecting ongoing lender margins and risk pricing.

Daily and Weekly Benchmarks

Source	Date	Rate	Change	Prior Year	YOY Change
MND 30-Year Fixed	Jul 17 2026	6.63%	-0.05%	6.82%	-0.19%
FRED 30-Year Fixed	Jul 16 2026	6.55%	—	—	—

The MND survey shows a modest daily decline of five basis points, yet the year-over-year comparison still indicates a 19-basis-point drop from 6.82%. Freddie Mac and MBA weekly releases have not yet posted updated figures for the week ending July 18 2026.

Drivers Behind Today’s Levels

Fuel-price increases in July have contributed to the recent upward pressure. Rates had already held above 6.52% for the preceding two months, leaving little room for further declines before the energy-cost spike pushed averages higher. The 10-year Treasury yield at 4.57% continues to anchor expectations, while the 1.98-point spread signals that lenders are maintaining elevated margins.

State-Level Snapshot: Colorado

In Colorado, mortgage rates today align closely with the national average. Borrowers can expect a 30-year fixed rate of 6.77% and a 15-year fixed rate of 6.17% as of July 19 2026. These figures come from the same daily index that tracks both purchase and refinance activity across the state.

Historical Context Since 1971

Long-term data from the Primary Mortgage Market Survey show that 30-year fixed rates have fluctuated dramatically since 1971. Current levels remain well above the historic lows recorded between 2020 and 2021 but sit below the double-digit peaks of the early 1980s. The recent two-month floor near 6.52% marks the lowest range observed in 2026 to date.

What Borrowers Should Watch

Daily movements in the 10-year Treasury and weekly updates from Freddie Mac will likely set the tone for the remainder of July. Fuel-price volatility and any shifts in Federal Reserve policy expectations could widen or narrow the current 1.98-point spread. Readers can run live scenarios at HomeRates.ai to model how small rate changes affect monthly payments on specific loan amounts.

Bottom Line

Mortgage rates today sit at 6.77% nationally for a 30-year fixed loan, 0.22 points above the latest FRED reading. With the 10-year Treasury at 4.57% and a wide spread persisting, borrowers should monitor daily data closely and compare offers rather than waiting for a significant drop.