As of July 11, 2025, mortgage rates remain mixed, with the 30-year fixed at 6.625% and 15-year rates at 5.75%.

The average rate for a 15-year fixed mortgage is 5.94%, which is an increase of 0.05% since last week. To secure a lower mortgage interest rate, consider increasing your down payment, improving your credit score or purchasing mortgage points.

Mortgage rates are up, but still under 7%. Today’s national average on a 30-year fixed-rate mortgage is 6.74%, according to Bankrate. If you choose a 15-year fixed-rate mortgage, the average rate is 5.