Mortgage and refinance rates today, Monday, August 10, 2026: Rates lower than last week

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According to rates from the Zillow lender marketplace, current purchase mortgage rates are lower than current refinance rates for Monday, August 10, 2026 .

The current 30-year purchase fixed rate today is 6.51% , 13 basis points lower than the current refinance rate. The 15-year fixed purchase rate of 6.01% is 2 basis points lower than the 15-year refi rate. The 5/1 ARM purchase rate of 6.37% is 13 basis points lower than the 5/1 refi rate.

Read more: Weekly survey of mortgage lenders with the lowest rates: Revealing the wide gaps among rates and fees

Here are the current mortgage rates today, Monday, August 10, 2026 , according to the latest Zillow data:

Remember, these are the national averages and are rounded to the nearest hundredth.

These are today's mortgage refinance rates, Monday, August 10, 2026 , according to the latest Zillow data:

Again, the numbers provided are national averages rounded to the nearest hundredth. Mortgage refinance rates are often higher than rates when you buy a house, although that's not always the case.