Mortgage and refinance rates today, Monday, August 17, 2026: Purchase rates currently lower than refi rates

On Monday, August 17, 2026, mortgage rates according to Zillow data show purchase rates are presently lower than refinance rates. The 30-year fixed purchase rate stands at 6.54%, which is 5 basis points less than the refinance rate. For 15-year fixed purchases, the rate is 5.86%, 2 basis points below the refinance rate. The 5/1 ARM purchase rate is 6.24%, 20 basis points lower than the refinance rate.