Mortgage Rates Updated: 30-Year Fixed at 6.40% on July 4

On July 4, 2026, the average mortgage rates showed mixed results. The 30-year fixed rate decreased by 4 basis points to 6.40%, while the 15-year fixed rate remained unchanged at 5.86%. The 5/1 ARM rose 6 basis points to 6.52%. Refinance rates also saw slight changes, with the 30-year fixed refinance at 6.38% and the 15-year fixed refinance at 5.84%. These rates impact lending costs and housing market activity for potential buyers and refinancers.