Mortgage and refinance interest rates today, March 13, 2026: Little to throttle upward momentum

Core Insights - The ongoing Middle East conflict is impacting mortgage rates, with the 10-year Treasury yield surpassing 4.25% and contributing to rising mortgage rates [1] - Freddie Mac reported an increase in the average 30-year fixed mortgage rate by 11 basis points to 6.11% for the week ending Wednesday [1][14] Current Mortgage Rates - The current national average for a 30-year fixed mortgage is 6.11%, while the 15-year mortgage rate is 5.50% [14] - Other mortgage rates include 20-year fixed at 6.19%, 5/1 ARM at 6.06%, and 7/1 ARM at 6.01% [5] Mortgage Refinance Rates - Today's mortgage refinance rates are generally higher than purchase rates, with national averages rounded to the nearest hundredth [3] Mortgage Rate Trends - Mortgage rates have risen from three-year lows following the onset of the U.S.-Israel conflict, with expectations of little decline through 2026 [13] - Forecasts suggest that the 30-year mortgage rate will remain around 6.10% through 2026, with slight increases expected in 2027 [15][16]