RateZip News

Rate news, from the data up.

Daily rate reports and market coverage generated from RateZip's own rate tracking, reviewed and edited by a named editor before publish. How we work: editorial standards · how we use AI · corrections.

• Homeowners have stopped waiting for a refinance window, and the numbers show where they went instead

  By LeeAnn Reynolds · September 10, 2026

  With the 30-year fixed stuck near 6.7% and several big lenders nudging posted rates higher again on Thursday, refinancing has all but vanished from borrower inquiries while home-equity borrowing takes over.

• Homeowners have stopped refinancing and started borrowing against their houses

  By LeeAnn Reynolds · September 9, 2026

  Refinance applications just fell to their slowest pace since May 2025, and the borrowers who used to ask about a new mortgage are now asking about their equity instead.

• New Orleans home values rose 4.7% in 31 days

  By LeeAnn Reynolds · September 8, 2026

  The median tracked home value in New Orleans, LA rose 4.7% between August 1, 2026 and September 1, 2026 — the largest move, in either direction, across the 101 cities where RateZip tracks enough homes to publish.

• Mortgage rates aren't budging, and homeowners have stopped waiting to refinance

  By LeeAnn Reynolds · September 8, 2026

  With the 30-year fixed stuck near 6.7% and economists seeing no relief this fall, borrowers are turning to the equity in their homes instead.

• Mortgage rates hit a four-week high, and homeowners are reaching for their equity instead of refinancing

  By LeeAnn Reynolds · September 7, 2026

  With the 30-year fixed back near 6.7% and the Fed signaling a hold, refinancing has all but vanished from borrower inquiries while second-mortgage demand keeps climbing.

• Mortgage rates this week: August 31–September 4, 2026

  By LeeAnn Reynolds · September 5, 2026

  Posted mortgage rates at the 8 lenders RateZip tracks ended the week of August 31–September 4, 2026 mostly higher: of the 27 posted rates with readings on more than one day this week, 0 finished lower than they started it, 8 higher, and 19 unchanged. The week's largest move: U.S. Bank's posted VA 30-Year Fixed, up 0.25 points to 6.5%.

• Homeowners aren't moving or refinancing, they're borrowing against the house

  By LeeAnn Reynolds · September 4, 2026

  With the 30-year fixed rising again, home-equity loans now account for three of every four mortgage inquiries RateZip sees, and refinancing has all but vanished.

• The refinance is vanishing from homeowners' plans, and the HELOC is taking its place

  By LeeAnn Reynolds · September 3, 2026

  Home-equity products drew 76% of the mortgage inquiries RateZip received over the three months through August, up from 43% a year earlier, while rates edged higher again this week.

• Home value movers, September 2026: Florida cities take 6 of the 10 biggest declines; New Orleans leads gains

  By LeeAnn Reynolds · September 2, 2026

  RateZip's Home Value Movers, September 2026 edition: between the August 1, 2026 baseline and the September 1, 2026 refresh, median tracked home values fell 1.5% in Palm Bay, FL and 0.7% in New Port Richey, FL, while New Orleans, LA (+4.7%) and Pittsburgh, PA (+3.8%) posted the largest gains.

• Homeowners are asking about their equity, not a refinance, as mortgage rates drift up again

  By LeeAnn Reynolds · September 2, 2026

  Posted rates ticked higher at several big lenders Wednesday, and the borrowers showing up are mostly looking to tap the house they already own.

• Mortgage rates today, September 1, 2026: posted rates move at 3 of 8 tracked lenders

  By LeeAnn Reynolds · September 1, 2026

  Posted rates moved on Tuesday: U.S. Bank VA 30-Year Fixed to 6.5% (+0.25), AmeriSave 30-Year Fixed Refinance to 6.125% (+0.135), U.S. Bank 30-Year Fixed to 6.75% (+0.125), Bank of America 15-Year Fixed to 6.125% (+0.125), and 4 more posted rates. The full table and the 30-day trend are below.

• Mortgage rates today, August 31, 2026: posted lender rates hold across the board

  By LeeAnn Reynolds · August 31, 2026

  The 8 lenders RateZip tracks left all 27 posted rates we follow unchanged on Monday — the table below shows where every posted product stands, and the week-over-week read follows it.

• Mortgage rates this week: August 24–28, 2026

  By LeeAnn Reynolds · August 29, 2026

  Posted mortgage rates at the 8 lenders RateZip tracks ended the week of August 24–28, 2026 mostly lower: of the 27 posted rates with readings on more than one day this week, 8 finished lower than they started it, 0 higher, and 19 unchanged. The week's largest move: U.S. Bank's posted 20-Year Fixed, down 0.25 points to 6.125%.

• Mortgage rates today, August 28, 2026: posted rates move at 3 of 8 tracked lenders

  By LeeAnn Reynolds · August 28, 2026

  Posted rates moved on Friday: AmeriSave 15-Year Fixed to 4.75% (+0.125), Wells Fargo 15-Year Fixed to 5.875% (+0.125), U.S. Bank 7/6 ARM to 6.125% (+0.125). The full table and the 30-day trend are below.

• Mortgage rates today, August 27, 2026: posted rates move at 3 of 8 tracked lenders

  By LeeAnn Reynolds · August 27, 2026

  Posted rates moved on Thursday: Rocket Mortgage 30-Year Fixed to 6.75% (+0.5), Wells Fargo 30-Year Fixed to 6.625% (+0.125), U.S. Bank 20-Year Fixed to 6.125% (−0.125), U.S. Bank FHA 30-Year Fixed to 6.5% (−0.125), and 4 more posted rates. The full table and the 30-day trend are below.

• Mortgage rates today, August 26, 2026: posted rates move at 6 of 8 tracked lenders

  By LeeAnn Reynolds · August 26, 2026

  Posted rates moved on Wednesday: Rocket Mortgage 30-Year Fixed to 6.25% (−0.5), AmeriSave 30-Year Fixed to 5.5% (−0.125), Wells Fargo 30-Year Fixed to 6.5% (−0.125), Bank of America 30-Year Fixed to 6.75% (−0.125), and 6 more posted rates. The full table and the 30-day trend are below.

• Mortgage rates today, August 25, 2026: posted rates move at 2 of 8 tracked lenders

  By LeeAnn Reynolds · August 25, 2026

  Posted rates moved on Tuesday: Wells Fargo VA 30-Year Fixed to 6.125% (+0.125), Veterans United VA 30-Year Fixed to 5.99% (+0.115). The full table and the 30-day trend are below.

• Mortgage rates today, August 24, 2026: posted lender rates hold across the board

  By LeeAnn Reynolds · August 24, 2026

  The 8 lenders RateZip tracks left all 27 posted rates we follow unchanged on Monday — the table below shows where every posted product stands, and the week-over-week read follows it.

• Foreclosure activity is climbing among the homes we track — and Florida nearly doubled

  By Paul Knag · August 22, 2026

  Foreclosure-process events across RateZip's tracked homes rose 32.6% in the first half of 2026 versus a year earlier — from 55.4 to 73.4 events per 10,000 tracked homes. Florida climbed 87.7% and Georgia 73%, while Texas and New Jersey declined. June 2026 was the heaviest single month in our two-and-a-half-year series.

• Mortgage rates this week: August 17–21, 2026

  By LeeAnn Reynolds · August 22, 2026

  Posted mortgage rates at the 8 lenders RateZip tracks ended the week of August 17–21, 2026 mostly higher: of the 27 posted rates with readings on more than one day this week, 0 finished lower than they started it, 11 higher, and 16 unchanged. The week's largest move: Wells Fargo's posted 30-Year Fixed, up 0.25 points to 6.625%.

• Mortgage rates today, August 21, 2026: posted rates move at 3 of 8 tracked lenders

  By LeeAnn Reynolds · August 21, 2026

  Posted rates moved on Friday: U.S. Bank 20-Year Fixed to 6.375% (+0.25), AmeriSave 30-Year Fixed to 5.625% (+0.125), AmeriSave 15-Year Fixed to 4.75% (+0.125), U.S. Bank FHA 30-Year Fixed to 6.625% (+0.125), and 5 more posted rates. The full table and the 30-day trend are below.

• Mortgage market, week of August 20: home-equity products hold 77% of inquiry demand as posted rates idle

  By LeeAnn Reynolds · August 20, 2026

  A year ago, home-equity products accounted for 25% of the mortgage demand consumers brought to RateZip's network. Over the three months through July 2026, that figure was 77%. The customers walking through the door have changed — this is what the turn looks like in our own data, as of August 20, 2026.

• Mortgage rates today, August 20, 2026: posted rates move at 4 of 8 tracked lenders

  By LeeAnn Reynolds · August 20, 2026

  Posted rates moved on Thursday: U.S. Bank 20-Year Fixed to 6.125% (−0.25), AmeriSave 30-Year Fixed to 5.5% (−0.125), Bank of America 30-Year Fixed to 6.75% (−0.125), AmeriSave 15-Year Fixed to 4.625% (−0.125), and 8 more posted rates. The full table and the 30-day trend are below.

• Mortgage rates today, August 19, 2026: posted rates move at 2 of 8 tracked lenders

  By LeeAnn Reynolds · August 19, 2026

  Posted rates moved on Wednesday: Bank of America 30-Year Fixed to 6.875% (+0.125), U.S. Bank FHA 30-Year Fixed to 6.625% (+0.125), U.S. Bank VA 30-Year Fixed to 6.375% (+0.125), Bank of America 7/6 ARM to 6.125% (+0.125), and 1 more posted rates. The full table and the 30-day trend are below.

• Mortgage rates today, August 18, 2026: posted rates move at 4 of 8 tracked lenders

  By LeeAnn Reynolds · August 18, 2026

  Posted rates moved on Tuesday: Wells Fargo 30-Year Fixed to 6.625% (+0.25), U.S. Bank 20-Year Fixed to 6.375% (+0.25), U.S. Bank 30-Year Fixed to 6.625% (+0.135), Rocket Mortgage 30-Year Fixed to 6.75% (+0.125), and 5 more posted rates. The full table and the 30-day trend are below.

• Mortgage rates today, August 17, 2026: posted lender rates hold across the board

  By LeeAnn Reynolds · August 17, 2026

  The 8 lenders RateZip tracks left all 27 posted rates we follow unchanged on Monday — the table below shows where every posted product stands, and the week-over-week read follows it.

• Mortgage rates this week: August 10–14, 2026

  By LeeAnn Reynolds · August 15, 2026

  Posted mortgage rates at the 8 lenders RateZip tracks ended the week of August 10–14, 2026 mostly lower: of the 27 posted rates with readings on more than one day this week, 7 finished lower than they started it, 4 higher, and 16 unchanged. The week's largest move: U.S. Bank's posted 20-Year Fixed, down 0.25 points to 6.125%.

• Mortgage rates today, August 14, 2026: posted rates move at 4 of 8 tracked lenders

  By LeeAnn Reynolds · August 14, 2026

  Posted rates moved on Friday: U.S. Bank 30-Year Fixed to 6.49% (−0.135), Wells Fargo 30-Year Fixed to 6.5% (−0.125), Bank of America 15-Year Fixed to 5.875% (−0.125), Bank of America 20-Year Fixed to 6.5% (−0.125), and 5 more posted rates. The full table and the 30-day trend are below.

• Mortgage market, week of August 13: home-equity products hold 77% of inquiry demand as posted rates idle

  By LeeAnn Reynolds · August 13, 2026

  A year ago, home-equity products accounted for 25% of the mortgage demand consumers brought to RateZip's network. Over the three months through July 2026, that figure was 77%. The customers walking through the door have changed — this is what the turn looks like in our own data, as of August 13, 2026.

• Mortgage rates today, August 13, 2026: posted rates move at 4 of 8 tracked lenders

  By LeeAnn Reynolds · August 13, 2026

  Posted rates moved on Thursday: U.S. Bank 20-Year Fixed to 6.125% (−0.25), AmeriSave 30-Year Fixed to 5.5% (−0.125), AmeriSave 15-Year Fixed to 4.625% (−0.125), U.S. Bank VA 30-Year Fixed to 6.25% (−0.125), and 4 more posted rates. The full table and the 30-day trend are below.

• Mortgage rates today, August 12, 2026: posted rates move at 1 of 8 tracked lenders

  By LeeAnn Reynolds · August 12, 2026

  Posted rates moved on Wednesday: U.S. Bank FHA 30-Year Fixed to 6.625% (+0.125), U.S. Bank 7/6 ARM to 6.25% (−0.125). The full table and the 30-day trend are below.

• Lehigh Acres home values fell 5.1% in 9 days — and 9 of the 10 biggest declines are in Florida

  By LeeAnn Reynolds · August 11, 2026

  The median tracked home value in Lehigh Acres, FL fell 5.1% between July 23, 2026 and August 1, 2026 — the largest move, in either direction, across the 101 cities where RateZip tracks enough homes to publish. It is not alone: 9 of the 10 biggest declines this edition are Florida cities — St. Petersburg at −3.5%; Cape Coral at −3.1%; Hialeah at −2.6%.

• Mortgage rates today, August 10, 2026: posted lender rates hold across the board

  By LeeAnn Reynolds · August 10, 2026

  The 8 lenders RateZip tracks left all 27 posted rates we follow unchanged on Monday — the table below shows where every posted product stands, and the week-over-week read follows it.

• Mortgage rates this week: August 3-7, 2026

  By LeeAnn Reynolds · August 8, 2026

  Posted mortgage rates at the 8 lenders RateZip tracks ended the week of August 3-7, 2026 mostly lower: of the 27 posted rates with readings on more than one day this week, 12 finished lower than they started it, 0 higher, and 15 unchanged. The week's largest move: AmeriSave's posted 30-Year Fixed Refinance, down 0.135 points to 5.99%.

• Mortgage rates today, August 6, 2026: posted rates move at 3 of 8 tracked lenders

  By LeeAnn Reynolds · August 6, 2026

  Posted rates moved on Thursday: Wells Fargo 30-Year Fixed to 6.5% (−0.125), U.S. Bank FHA 30-Year Fixed to 6.5% (−0.125), U.S. Bank VA 30-Year Fixed to 6.25% (−0.125), U.S. Bank Jumbo 30-Year Fixed to 6.75% (−0.125), and 3 more posted rates. The full table and the 30-day trend are below.

• Mortgage rates today, August 5, 2026: posted rates move at 6 of 8 tracked lenders

  By LeeAnn Reynolds · August 5, 2026

  Posted rates moved on Wednesday: AmeriSave 30-Year Fixed to 5.5% (−0.125), Rocket Mortgage 30-Year Fixed to 6.75% (−0.125), Bank of America 30-Year Fixed to 6.75% (−0.125), AmeriSave 15-Year Fixed to 4.625% (−0.125), and 8 more posted rates. The full table and the 30-day trend are below.

• Mortgage rates today, August 4, 2026: posted rates move at 3 of 8 tracked lenders

  By LeeAnn Reynolds · August 4, 2026

  Posted rates moved on Tuesday: AmeriSave 30-Year Fixed Refinance to 5.99% (−0.135), Rocket Mortgage 30-Year Fixed to 6.875% (+0.125), U.S. Bank FHA 30-Year Fixed to 6.625% (+0.125), U.S. Bank Jumbo 30-Year Fixed to 6.875% (+0.125). The full table and the 30-day trend are below.

• Mortgage rates today, August 3, 2026: posted lender rates hold across the board

  By Paul Knag · August 3, 2026

  The 8 lenders RateZip tracks left all 27 posted rates we follow unchanged on Monday - the table below shows where every posted product stands, and the week-over-week read follows it.

• Home value movers, August 2026: Florida cities take 9 of the 10 biggest declines; Spokane leads gains

  By LeeAnn Reynolds · August 3, 2026

  RateZip's Home Value Movers, August 2026 edition: between the July 23, 2026 baseline and the August 1, 2026 refresh, median tracked home values fell 5.1% in Lehigh Acres, FL and 3.5% in St. Petersburg, FL, while Spokane, WA (+1.0%) and West Palm Beach, FL (+1.0%) posted the largest gains.

• Mortgage rates today, July 31, 2026: posted rates move at 5 of 8 tracked lenders

  By LeeAnn Reynolds · July 31, 2026

  Posted rates moved on Friday: AmeriSave 15-Year Fixed Refinance to 5.25% (−0.625), AmeriSave 30-Year Fixed to 5.625% (+0.125), U.S. Bank FHA 30-Year Fixed to 6.5% (+0.125), Wells Fargo 7/6 ARM to 6.25% (−0.125), and 3 more posted rates. The full table and the 30-day trend are below.

• Mortgage rates today, July 30, 2026: posted lender rates hold across the board

  By LeeAnn Reynolds · July 30, 2026

  The 8 lenders RateZip tracks left all 27 posted rates we follow unchanged on Thursday - the table below shows where every posted product stands, and the week-over-week read follows it.

• Mortgage rates today, July 29, 2026: Rocket Mortgage cuts posted 30-year to 6.75%

  By LeeAnn Reynolds · July 29, 2026

  Rocket Mortgage lowered its posted 30-Year Fixed rate 0.125 points to 6.75% on Wednesday, while the other lenders RateZip tracks left their published rates unchanged.

• Mortgage rates today, July 28, 2026: AmeriSave cuts posted 30-year to 5.5%

  By LeeAnn Reynolds · July 28, 2026

  AmeriSave lowered its posted 30-Year Fixed rate 0.125 points to 5.5% on Tuesday, while the other lenders RateZip tracks left their published rates unchanged.