Mortgage rates — week of July 27, 2026

Published July 27, 2026 · the same data pass behind our Monday newsletter and video. Every number was live on the site when published.

Freddie Mac 30-yr national average

6.58%+0.03 vs last week

15-yr average

5.96%

8-week path (+0.10)

Best posted rate, by loan type

Lowest purchase rate on any lender sheet we read this week, per product.

30-yr conventional

5.5% · 5.716% APR

Knoxville TVA Employees Credit Union

TN · 0 pts

15-yr conventional

5.25% · 5.521% APR

Hawaii State Credit Union

HI · 0.75 pts

FHA 30-yr

5.75% · 6.31% APR

Chartway Credit Union

VA · 0.5 pts

VA 30-yr

5.625% · 5.904% APR

Credit Union 1

AK · 0 pts

Jumbo 30-yr

6% · 6.071% APR

Neighbors Credit Union

LA · 0 pts

The 30-yr conventional leaderboard

Best posted purchase rate per credit union, lowest first. The spread from best to worst is 1.38 points — that gap is the payoff for shopping around.

Lender	Who can join	Rate	APR	Points	As of
Knoxville TVA Employees Credit Union	TN	5.5%	5.716%	0 pts	2026-07-27
Langley Credit Union	VA	5.875%	6.128%	0 pts	2026-07-27
Hawaii State Credit Union	HI	6%	6.153%	0.63 pts	2026-07-27
Neighbors Credit Union	LA	6.125%	6.498%	0 pts	2026-07-27
Municipal Credit Union	NY	6.25%	6.267%	0 pts	2026-07-27
Dirigo Credit Union	ME	6.25%	6.332%	0 pts	2026-07-27
Credit Union 1	AK	6.25%	6.448%	0 pts	2026-07-27
Navy Federal Credit Union	military-only	6.25%	6.406%	0.63 pts	2026-07-27
PenFed Credit Union	open to anyone	6.25%	6.434%	1.13 pts	2026-07-27
Space Coast Credit Union	FL	6.25%	6.337%	0 pts	2026-07-27

Live version, filterable by your state: rateperch.com/credit-unions

Big banks, for comparison

Posted 30-yr conventional at the major banks, against the best credit union above.

Lender	Who can join	Rate	APR	Points	vs best CU
U.S. Bank	bank	6.625%	6.784%	0.76 pts	+1.13
Wells Fargo	bank	6.75%	6.897%	0.75 pts	+1.25
Bank of America	bank	6.75%	6.971%	0.73 pts	+1.25

Who moved this week

Changes of 0.05 or more against the same lender’s previous rate sheet.

Open to anyone

Navy Federal Credit Union+0.13 → 6.25%

PenFed Credit Union+0.13 → 6.25%

Connexus Credit Union+0.13 → 6.375%

Digital Federal CU (DCU)+0.25 → 6.5%

By state

AZHughes Credit Union −0.06 → 6.875%; Mountain America Credit Union +0.13 → 6.375%; Desert Financial Credit Union +0.25 → 6.625%

CAMission Credit Union +0.13 → 6.75%; Patelco Credit Union +0.13 → 6.875%; Star ONE Credit Union +0.25 → 6.625%

COENT Credit Union +0.13 → 6.75%

CTCharter OAK Credit Union +0.38 → 6.75%

DCTower Credit Union +0.13 → 6.625%

DETidemark Credit Union +0.13 → 6.5%

FLSpace Coast Credit Union +0.13 → 6.25%; Fairwinds Credit Union +0.13 → 6.5%; Vystar Credit Union +0.25 → 6.625%

GAVystar Credit Union +0.25 → 6.625%

IADupaco Community Credit Union +0.13 → 6.625%

IDMountain America Credit Union +0.13 → 6.375%

ILCitizens Equity First Credit Union +0.13 → 6.75%; Landmark Credit Union +0.13 → 6.75%

INEverwise Credit Union +0.13 → 6.876%

KSEnvista Credit Union +0.13 → 6.75%

MAWebster First Credit Union +0.13 → 6.375%

MDState Employees CU of Maryland, Inc +0.13 → 6.5%; Tower Credit Union +0.13 → 6.625%

MIMichigan State University Credit Union +0.25 → 6.375%

MNAffinity Plus Credit Union +0.25 → 6.75%

MOTogether Credit Union +0.13 → 6.875%

MTMountain America Credit Union +0.13 → 6.375%

NHST. Mary's Bank Credit Union +0.13 → 6.477%

NMMountain America Credit Union +0.13 → 6.375%

NVMountain America Credit Union +0.13 → 6.375%; America First Credit Union +0.13 → 6.5%

NYBroadview Credit Union +0.13 → 6.625%; Visions Credit Union +0.13 → 6.875%

OHBMI Credit Union +0.13 → 6.5%; Directions Credit Union +0.13 → 6.875%; Cinfed Credit Union +0.25 → 6.625%

OKTruity Credit Union +0.13 → 6.875%

OROnPoint Community CU +0.25 → 6.625%

PAAmerican Heritage Credit Union +0.12 → 6.433%; Citadel Credit Union +0.13 → 6.625%

SCBecu Credit Union +0.13 → 6.828%

TXTexas DOW Employees Credit Union +0.13 → 6.63%; Randolph-Brooks Federal Credit Union +0.25 → 6.75%

UTMountain America Credit Union +0.13 → 6.375%; America First Credit Union +0.13 → 6.5%

VAChartway Credit Union +0.13 → 6.25%; Tower Credit Union +0.13 → 6.625%; Virginia Credit Union +0.25 → 6.75%

WABecu Credit Union +0.13 → 6.828%; OnPoint Community CU +0.25 → 6.625%

WIUniversity of Wisconsin Credit Union +0.13 → 6.75%

WYMountain America Credit Union +0.13 → 6.375%

What real borrowers got

No new borrower submissions were approved this week.

Got a quote this week? Add it to the dataset →

Next week’s report, before you think to look

This page updates every Monday. Get the same numbers in your inbox — or set a refi alert and we’ll only email when rates cross your number.

Methodology: posted rates are read weekly from lender rate pages (purchase, as-published, points shown); the national benchmark is Freddie Mac’s Primary Mortgage Market Survey. Snapshot frozen at publish time — for current numbers see your state’s page. Full methodology →