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.
| Lender | 30-Yr | 15-Yr | 20-Yr | FHA 30-Yr | VA 30-Yr | Jumbo 30-Yr | 7/6 ARM | HELOC |
|---|---|---|---|---|---|---|---|---|
| AmeriSave | 5.625% / 6.121% | 4.75% / 5.526% | — | — | — | — | — | — |
| New American Funding | 6.625% / 6.74% | 6.125% / 6.316% | — | 6.25% / 7.287% | 6.25% / 6.681% | — | — | — |
| Rocket Mortgage | 6.75% / 7.027% | 5.875% / 6.33% | — | — | — | — | — | — |
| Wells Fargo | 6.625% / 6.758% | 5.875% / 6.127% | — | — | 6% / 6.237% | — | 6.375% / 6.506% | — |
| U.S. Bank | 6.625% / 6.8% | 5.99% / 6.231% (+0.115) | 6.375% / 6.61% | 6.625% / 7.49% (+0.125) | 6.375% / 6.749% (+0.125) | 6.875% / 7.059% | 6.25% / 6.482% | — |
| Bank of America | 6.875% / 7.09% (+0.125) | 6% / 6.377% | 6.625% / 6.927% | — | — | — | 6.125% / 6.465% (+0.125) | — |
| Veterans United | — | — | — | — | 5.875% / 6.329% | — | — | — |
| FourLeaf Federal Credit Union | — | — | — | — | — | — | — | 6.75% / 6.75% |
Rates are each lender's own published rate as of 9:50 a.m. ET, collected from their public rate pages and feeds. Each cell shows the posted rate / APR — the APR is the better cross-lender comparison, since posted rates reflect each lender's own assumptions about credit, points, and loan size. A figure in parentheses is today's change; a '—' means the lender doesn't post that product.
AmeriSave also posts refinance pricing: 30-year fixed at 5.99% (6.514% APR) and 15-year fixed at 5.25% (6.068% APR).
The gap between the cheapest and most expensive posted 30-year rate in our tracked set is 1.25 points (AmeriSave at 5.625% vs Bank of America at 6.875%). On a $400,000 loan that spread is about $325 a month — on any given morning, the difference between lenders is far larger than the day-to-day movement of any one of them.
Over the past week the biggest move in the set is Rocket Mortgage's posted 15-Year Fixed, down 0.115 points.
In the broader market, the 10-year Treasury yield — the benchmark long-term mortgage pricing most closely tracks — stood at 4.72% at its most recent close (Monday, August 17, per FRED), up 4 basis points from the prior close and unchanged over the past week. That is not a move that repriced the market: there is no clear macro driver behind today's posted-rate changes, and day-to-day adjustments of this size are routine lender-level pricing.
Where borrower demand is heading: RateZip's Mortgage Demand Index — built from the mortgage inquiries consumers submit across our network — shows July 2026 inquiry volume 13% lower than June 2026's and 45% higher than July 2025's. Behind the total: home-equity products (HELOC plus reverse) drew 77% of inquiries over the three months through July 2026, versus 25% in the same months a year earlier; refinance went from 46% to 1% of the mix. Product-level detail and the full series are on the index page.