According to CoinMeta, as of August 31, 2026, mortgage and refinancing rates show that current home purchase rates are higher than refinancing rates. Based on the data from the loan market (referenced by Zillow), the 30-year fixed home purchase rate is 6.55%, which is 4 basis points higher than the current refinancing rate. The 15-year fixed home purchase rate is 5.91%, which is 2 basis points higher than the 15-year refinancing rate. The 5/1 ARM home purchase rate is 6.26%, which is 7 basis points higher than the 5/1 refinancing rate.