According to CoinMeta, on August 5, 2026, mortgage and refinancing rates showed a mixed trend, as negotiations with Iran continued to focus on the Strait of Hormuz in order to restore the flow of oil and natural gas. Based on data from the loan market, the 30-year fixed-rate mortgage averaged 6.60%, which is 4 basis points lower than yesterday; the 15-year fixed-rate mortgage was 6.09%, up 2 basis points from yesterday; and the 5/1 ARM mortgage rate was 6.79%, up 6 basis points from Tuesday.