According to CoinMeta, on August 18, 2026, mortgage and refinancing rates generally increased, although the 30-year fixed rate remained relatively stable. The current average 30-year fixed rate is 6.53%, down 1 basis point from yesterday. The 15-year fixed rate is 5.94%, up 8 basis points from yesterday. The 5/1 ARM rate is 6.39%, up 15 basis points from Monday. According to Zillow data, mortgage loan rates generally increased from yesterday, and it is expected that the 30-year mortgage loan rate will remain at 6.50% in 2026.