Conventional Mortgage Rates Rise Across Terms on May 13, Zillow Data Show

Conventional mortgage rates rose across major loan types on May 13, 2026, according to Zillow lender marketplace data, lifting borrowing costs for homebuyers after a recent pullback from late-March highs. The average 30-year fixed mortgage rate increased 7 basis points to 6.26%. The 20-year fixed rate rose 16 basis points to 6.22%, while the 15-year fixed rate climbed 11 basis points to 5.76%. Adjustable-rate mortgages also moved higher, with the 5/1 ARM up 17 basis points to 6.47% and the 7/1 ARM up 13 basis points to 6.30%. Zillow’s figures are national averages rounded to the nearest hundredth and may vary by state and local market. Rates had approached 6.50% at the end of March before falling by nearly half a percentage point, but May 13 data show conventional fixed-rate loans rising broadly from May 12 levels.