July 2026 funded mortgage volume increased 0% YoY and decreased 7% MoM. In the Retail channel, funded volume increased 7% YoY and decreased 9% MoM. The average 30-year conforming retail funded rate in July 2026 was 6.42, 8bps higher than June 2026 and 33bps lower than the same month last year. Purchase rates were 7bps higher MoM and 32bps lower YoY, while Refinance rates were 11bps higher MoM and 32bps lower YoY. Curinos sources a statistically significant data set directly from lenders to produce these benchmark figures.
Jumbo Rate Trends
GSE Delivery Limits
Market Growth Trends
Refi Cycle Times
Refinance Mix
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