Mortgage and refinance interest rates today, Saturday, July 18, 2026: Rates lower to start the weekend

Mortgage and refinance interest rates decreased starting the weekend of Saturday, July 18, 2026. Meanwhile, discussions continue regarding whether the Fed will hike interest rates this month. An economist noted that Kevin Warsh’s testimony to Congress provided some heat but not much new light concerning the interest rate outlook. These developments highlight the current volatility in the lending market and the ongoing scrutiny of official monetary policy testimonies regarding future rate adjustments.