According to the Zillow lender marketplace, the average 30-year fixed rate is 6.402%, down 8.2 basis points since yesterday. The 15-year fixed loan is currently at 5.866%, 3.2 basis points lower than yesterday. The 5/1 ARM is 6.399%, 6.5 basis points lower than on Monday. Weekly survey of mortgage lenders with the lowest rates: 6% is back (without fees) Today's mortgage rates Here are the current mortgage rates, according to our latest Zillow data, for Tuesday, July 21, 2026: 30-year fixed: 6.402% ...