Introduction
On September 9, 2026, mortgage rates are showing subtle shifts that could influence your homebuying or refinancing plans. Whether you're eyeing a new purchase or weighing your options as a homeowner, understanding today’s numbers is key. The lowest rate available right now is a 15-year fixed FHA loan at 5.375% through Potlatch No 1 Financial, offering a strong opportunity for buyers seeking shorter-term stability. Meanwhile, Zillow shows jumbo loan rates holding steady around 6.28% for 15-year fixed options. Inflation expectations ticked up slightly, hinting that lenders may keep rates in focus. Here’s what you need to know before locking in a rate so you can make the best move for your financial future.
At a glance
New Purchase - FHA 15 yrs Fixed
| Lender | 2026-09-09 Current | 2026-09-02 7 Days Ago | 2026-08-25 15 Days Ago | 2026-08-10 30 Days Ago | 2026-07-26 45 Days Ago | 2026-07-11 60 Days Ago | 2026-06-11 90 Days Ago | 2026-03-13 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| POTLATCH NO. 1 FINANCIAL CREDIT UNIONLOWEST | 5.38% | 5.38% | 5.38% | 5.25% | 5.25% | 5.25% | 5.13% | 4.88% |
| GOLDENWEST FEDERAL CREDIT UNION | 5.63% | 5.63% | 5.50% | 5.63% | 5.75% | N/A | N/A | 5.49% |
| ENT CREDIT UNION | 5.75% | 5.75% | 5.50% | 5.63% | 5.63% | 5.50% | 5.50% | 5.00% |
| MOUNTAIN AMERICA FEDERAL CREDIT UNION | 5.75%▲ 25 bps | 5.50% | 5.50% | 5.63% | 5.63% | 5.50% | 5.38% | 5.00% |
| SCHOOLSFIRST FEDERAL CREDIT UNION | 5.88%▲ 25 bps | 5.63% | 5.63% | 5.63% | 5.63% | 5.50% | 5.63% | 5.13% |
| SPACE COAST CREDIT UNION | 5.88%▲ 13 bps | 5.75% | 5.75% | 5.75% | 5.63% | 5.25% | 5.38% | 5.25% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
New Purchase - FHA 30 yrs Fixed
| Lender | 2026-09-09 Current | 2026-09-02 7 Days Ago | 2026-08-25 15 Days Ago | 2026-08-10 30 Days Ago | 2026-07-26 45 Days Ago | 2026-07-11 60 Days Ago | 2026-06-11 90 Days Ago | 2026-03-13 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| PENTAGON FEDERAL CREDIT UNIONLOWEST | 5.75% | 5.75% | 5.75% | 5.63% | 5.63% | 5.50% | 5.50% | 5.13% |
| SELCO COMMUNITY CREDIT UNION | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% |
| GOLDENWEST FEDERAL CREDIT UNION | 5.99%▼ 1 bps | 6.00% | 5.88% | 5.88% | 5.88% | N/A | N/A | 5.38% |
| POTLATCH NO. 1 FINANCIAL CREDIT UNION | 5.99% | 5.99% | 5.88% | 5.88% | 5.75% | 5.75% | 5.63% | 5.38% |
| MOUNTAIN AMERICA FEDERAL CREDIT UNION | 6.00%▲ 13 bps | 5.88% | 5.88% | 5.88% | 5.75% | 5.75% | 5.75% | 5.25% |
| ENT CREDIT UNION | 6.25% | 6.25% | 6.13% | 6.13% | 6.13% | 6.00% | 6.00% | 5.63% |
| SCHOOLSFIRST FEDERAL CREDIT UNION | 6.50%▲ 13 bps | 6.38% | 6.38% | 6.38% | 6.25% | 6.13% | 6.25% | 5.75% |
| SPACE COAST CREDIT UNION | 6.63%▲ 13 bps | 6.50% | 6.50% | 6.50% | 6.38% | 6.00% | 6.13% | 6.00% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
ENT CREDIT UNION
On September 9, 2026, FHA 15-Year Fixed and FHA 30-Year Fixed Purchase rates remain steady at 5.75% and 6.25%, respectively, with no change over the past week. However, both show a modest increase of 12.5 basis points compared to 30 days ago, indicating a gradual rise in borrowing costs for government-backed FHA loans. The FHA 15-Year Fixed at 5.75% offers the lowest rate among available purchase programs, benefiting borrowers seeking shorter-term fixed options with predictable payments. First-time buyers reliant on FHA financing should note these stable yet elevated yields may slightly increase monthly obligations. Evaluating fixed-rate products is prudent for those valuing payment certainty amid modest upward rate trends. Members considering purchase financing should monitor market movements and assess the impact of incremental rate increases on long-term affordability. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.
GOLDENWEST FEDERAL CREDIT UNION
As of September 9, 2026, 15 Year Fixed FHA Mortgage rates remain steady at 5.625%, showing no change over the past week or month. This stability supports borrowers seeking predictable payments and may benefit first-time buyers aiming for shorter-term financing. Meanwhile, the 30 Year Fixed FHA Mortgage rate decreased by 10 basis points from last week to 5.99%, though it is up 11.5 basis points compared to a month ago. This slight weekly decline may reduce the cost of borrowing for those prioritizing long-term affordability, including homeowners considering purchase options.Members should assess whether fixed-rate options align with their financial goals, especially given recent minor fluctuations. For those weighing refinancing, consider your break-even timeline relative to current yield spreads to optimize savings.For details, visit https://www.gwcu.org/rates/homeloans.
MOUNTAIN AMERICA FEDERAL CREDIT UNION
On September 9, 2026, 15-year FHA purchase loans rose by 25 basis points to 5.75%, marking the largest weekly increase and reaching the highest level since six months ago. The 30-year FHA fixed purchase rate increased by 12.5 basis points to 6.00%, maintaining steady upward pressure consistent over the past month. These rate increases indicate a higher cost of borrowing for first-time buyers relying on government-backed options, potentially impacting monthly payments and overall affordability. Members prioritizing predictable payments may consider locking in fixed-rate FHA loans promptly to mitigate further yield spread expansion. Given current trends, evaluating mortgage strategies including potential refinancing is advisable if long-term savings exceed transaction costs. For details, visit https://www.macu.com/rates/home.
PENTAGON FEDERAL CREDIT UNION
On September 9, 2026, the 30-year Fixed FHA Loan for Purchase remains steady at 5.75%, showing no change over the past week but an increase of 12.5 basis points compared to 30 days ago. This yield spread indicates a modest rise in borrowing costs for members relying on government-backed options, particularly impacting first-time homebuyers who often utilize FHA financing. The stability in the past week suggests limited short-term volatility; however, the upward trend over a month signals caution for those considering new purchases or refinancing.Members should evaluate their mortgage strategies carefully; those prioritizing payment predictability may find fixed-rate FHA loans appropriate despite recent increases. Additionally, assessing refinancing options is advisable if potential savings outweigh closing costs given current rate dynamics.For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851
POTLATCH NO. 1 FINANCIAL CREDIT UNION
As of September 9, 2026, 15-Year Fixed Purchase mortgage rates hold steady at 5.375%, unchanged from last week but up 12.5 basis points compared to 30 days ago. This rate remains the lowest option available, favoring borrowers prioritizing shorter-term stability and faster equity build-up. Meanwhile, the 30-Year Fixed Purchase rate is stable at 5.99%, with no change over seven days but an increase of 11.5 basis points versus one month prior, reflecting a modest rise in long-term borrowing costs.For members weighing purchase decisions, these rate trends suggest evaluating fixed-rate options if you value predictability amid slight upward pressure on yields. Consider locking rates promptly to mitigate further increases or assess refinancing only if long-term savings outweigh associated expenses.For details, visit https://www.p1fcu.org/personal/mortgage-rates.
SCHOOLSFIRST FEDERAL CREDIT UNION
As of September 9, 2026, FHA 15-Year Fixed Purchase loans are priced at 5.875%, rising by 25 basis points compared to one week ago and also up 25 basis points from 30 days prior. This increase in yield spreads raises the cost of borrowing for members seeking shorter-term FHA financing. Meanwhile, the FHA 30-Year Fixed Purchase rate stands at 6.5%, up by 12.5 basis points over the past week and month, marking a moderate upward trend in long-term fixed mortgage costs.These rate movements primarily impact first-time buyers relying on government-backed options, increasing monthly payments and overall interest expense. Members valuing payment stability should consider locking in current fixed rates promptly. For those evaluating purchase timing, analyzing cost versus market trajectory remains critical.Given recent increases, members may want to review their mortgage strategy carefully; consider fixed-rate options if prioritizing predictability or evaluate refinancing if potential savings exceed transaction costs. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.
SELCO COMMUNITY CREDIT UNION
As of September 9, 2026, the 30 Year FHA Manufactured Home Purchase loan rate remains steady at 5.875%, with no change over the past 7 or 30 days. This stability in yield spreads indicates consistent borrowing costs for members seeking fixed-rate financing on manufactured homes not located on rented land. For first-time buyers relying on FHA programs, this offers predictability in monthly payments without exposure to rising interest rates. Veterans and refinancing borrowers are not impacted today since those loan types are unavailable.Members should consider locking in fixed-rate options if they prioritize long-term payment certainty. Evaluating mortgage strategies now can prevent cost increases should rates begin to fluctuate. For details, visit https://www.selco.org/loans/home-loans/purchase-a-home/.
SPACE COAST CREDIT UNION
On September 9, 2026, SPACE COAST reports a modest increase in mortgage rates for fixed-rate purchase loans. The 15-year fixed purchase rate rose by 12.5 basis points, now at 5.875%, marking the lowest rate available today. Similarly, the 30-year fixed purchase rate increased by 12.5 basis points to 6.625%. These upward adjustments reflect a tightening cost of borrowing compared to one week and one month ago.For borrowers prioritizing predictability, especially first-time buyers seeking stability, the 15-year fixed option at 5.875% remains the most cost-effective choice. Meanwhile, those evaluating long-term affordability should note the parallel rise in the 30-year fixed rate, which impacts monthly payment calculations and total interest expense.Members considering financing decisions should weigh these incremental yield spreads carefully; for some, locking in a fixed rate may mitigate future volatility risk. Evaluating refinancing options is advisable if projected savings exceed associated costs given current rate trends.For details, visit https://www.sccu.com/personal/consumer-rates#mortgage.
Zillow National Average
As of September 9, 2026, mortgage rates are mixed, with the 15-Year Fixed Rate Jumbo at 6.281%, down by 0.02 basis points from yesterday but up slightly over the past week by 0.01 basis points. In contrast, the 30-Year Fixed Rate Jumbo has increased to 6.575%, reflecting a rise of 0.04 basis points in one day and maintaining stability over the past week. Notably, the 15-Year Fixed Rate Jumbo has decreased significantly by 0.22 basis points in the last month, indicating favorable borrowing conditions for those considering shorter-term loans. Borrowers should monitor these trends as they impact overall cost of borrowing and financial planning strategies.
Federal Reserve Economic Trends
As of today, Breakeven Inflation Rates for 10 years stand at 2.370%, while the 5-year rate is at 2.400%. These inflation expectations are crucial as they influence mortgage rates, shaping the cost of borrowing. Notably, the Mortgage 30Yr Average Rates have decreased by 6.49 points over the past 60 days, reflecting a significant market adjustment. The largest weekly decline occurred in Mortgage 30Yr Jumbo Average Rates, which fell by 0.07 points. For borrowers seeking affordable options, the lowest mortgage rate reported is for FHA loans at 6.522%. Monitoring these trends can help borrowers make informed decisions about their financing strategies amid evolving economic conditions.
LendMesh
Have you ever wished someone would just simplify the mortgage process? That’s the inspiration behind LendMesh. Our team of advisors has helped buyers and homeowners from all walks of life, and we know how confusing all those rates, terms, and lender choices can be. That’s why we work with a network of credit unions and banks who share our commitment to clarity and transparency. On LendMesh, you’ll find straightforward tools, easy comparisons, and the kind of personalized support that takes the stress out of home loans. Whether you’re buying, refinancing, or just exploring your options, you’re invited to our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans where your questions are always welcome.
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Conclusion
Even small movements in mortgage rates can add up over time; a quarter-point increase might mean paying tens of dollars more each month or thousands more in interest across the life of your loan. With some credit unions raising their 15-year FHA rates by up to 25 basis points, it’s wise to review your options carefully and consider locking in if you find a competitive offer like Potlatch No 1 Financial’s 5.375% FHA fixed rate. For those with jumbo loans, Zillow’s stable readings suggest less volatility but still merit attention. Keep an eye on inflation trends and lender activity, these will shape borrowing costs ahead. Whether buying, refinancing, or investing, weigh the cost of waiting against today’s rates to make a confident decision that fits your goals and budget.