Introduction
On September 23, 2026, mortgage rates are holding steady with subtle shifts that could shape your homebuying or refinancing decision. If you’re eyeing a purchase, Credit Unions like Potlatch No 1 Financial offer an attractive 5.375% rate on their 15-year fixed loans, the lowest among today’s options. Meanwhile, Zillow reports a slight uptick in jumbo loan rates, with the 30-year fixed jumbo rate at 6.976%. Inflation expectations remain stable, according to Federal Reserve data, signaling no major surprises ahead. Here’s what you need to know before locking in a rate, small changes can have a big impact on your monthly payment and overall cost.
At a glance
New Purchase - FHA 15 yrs Fixed
| Lender | 2026-09-23 Current | 2026-09-16 7 Days Ago | 2026-09-08 15 Days Ago | 2026-08-24 30 Days Ago | 2026-08-09 45 Days Ago | 2026-07-25 60 Days Ago | 2026-06-25 90 Days Ago | 2026-03-27 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| POTLATCH NO. 1 FINANCIAL CREDIT UNIONLOWEST | 5.38% | 5.38% | 5.38% | 5.25% | 5.13% | 5.25% | 5.25% | 4.88% |
| SCHOOLSFIRST FEDERAL CREDIT UNION | 5.88% | 5.88% | 5.63% | 5.63% | 5.75% | 5.63% | 5.63% | 5.50% |
| ENT CREDIT UNION | 6.00% | 6.00% | 5.63% | 5.50% | 5.50% | 5.38% | 5.25% | 5.38% |
| SPACE COAST CREDIT UNION | 6.00%▲ 13 bps | 5.88% | 5.88% | 5.75% | 5.75% | 5.63% | 5.38% | N/A |
| ALTURA | 6.13% | 6.13% | 6.13% | 6.63% | 6.63% | 6.63% | 6.63% | 6.75% |
| GOLDENWEST FEDERAL CREDIT UNION | 6.13%▲ 13 bps | 6.00% | 5.63% | 5.50% | 5.50% | 5.49% | N/A | 5.49% |
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 | 2026-09-23 Current | 2026-09-16 7 Days Ago | 2026-09-08 15 Days Ago | 2026-08-24 30 Days Ago | 2026-08-09 45 Days Ago | 2026-07-25 60 Days Ago | 2026-06-25 90 Days Ago | 2026-03-27 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| POTLATCH NO. 1 FINANCIAL CREDIT UNIONLOWEST | 5.99% | 5.99% | 5.99% | 5.88% | 5.75% | 5.75% | 5.63% | 5.38% |
| COMMUNITY CREDIT UNION OF FLORIDA CREDIT UNION | 6.13% | 6.13% | 6.13% | 6.13% | 6.00% | 6.00% | 6.00% | 5.63% |
| PENTAGON FEDERAL CREDIT UNION | 6.13%▼ 12 bps | 6.25% | 5.75% | 5.75% | 5.63% | 5.63% | 5.38% | 5.50% |
| CREDIT UNION WEST CREDIT UNION | 6.25% | 6.25% | 6.25% | 6.00% | 6.00% | 5.88% | 5.75% | N/A |
| GOLDENWEST FEDERAL CREDIT UNION | 6.38% | 6.38% | 5.99% | 5.99% | 5.88% | 5.75% | N/A | 5.75% |
| ENT CREDIT UNION | 6.50% | 6.50% | 6.13% | 6.13% | 6.00% | 5.88% | 5.75% | 6.13% |
| SCHOOLSFIRST FEDERAL CREDIT UNION | 6.63% | 6.63% | 6.38% | 6.38% | 6.50% | 6.25% | 6.25% | 6.25% |
| SPACE COAST CREDIT UNION | 6.75%▲ 13 bps | 6.63% | 6.63% | 6.50% | 6.50% | 6.38% | 6.13% | N/A |
| ALTURA | 7.13% | 7.13% | 6.99% | 6.99% | 6.99% | 6.88% | 6.88% | 6.88% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
ALTURA FEDERAL CREDIT UNION
As of September 23, 2026, 15 Year , FHA Fixed Purchase loans remain at a low 6.125%, unchanged over the past week and down 50 basis points from 30 days ago, representing a meaningful decline in borrowing costs for buyers prioritizing shorter terms and stable payments. Conversely, the 30 Year , FHA Fixed Purchase rate holds steady at 7.125%, up slightly by 13.5 basis points versus 30 days ago but unchanged over the last seven days. This suggests a modest increase in long-term yield spreads affecting extended amortization schedules. Members seeking predictable payment structures may find value in the 15-year FHA fixed option’s lower rate, while those opting for longer terms should monitor potential rate shifts impacting overall loan cost. Consider your mortgage strategy carefully; evaluating fixed-rate options can help manage interest expense amid recent market volatility. For details, visit https://www.alturacu.com/products/home-loans/purchasing/.
COMMUNITY CREDIT UNION OF FLORIDA CREDIT UNION
As of September 23, 2026, the 30-year fixed FHA purchase loan remains steady at 6.125%, showing no change from both one week and one month ago. This stability in rates implies consistent borrowing costs for first-time homebuyers and those relying on government-backed financing options. For members prioritizing payment predictability, maintaining a fixed-rate mortgage at this level supports long-term budgeting without exposure to yield spread fluctuations. Given the unchanged rate environment, prospective buyers should evaluate their purchase timing relative to market conditions and personal financial goals. Members considering refinancing under these terms might weigh potential savings against closing costs, especially since no recent downward movement has occurred. For details, visit https://www.ccuflorida.org/home/rates/mortgage.
CREDIT UNION WEST CREDIT UNION
On September 23, 2026, the 30-Year Fixed Purchase Mortgage rate at Credit Union West remains steady at 6.25%, unchanged from one week ago but increased by 25 basis points compared to 30 days prior. This rise reflects a tightening in yield spreads, contributing to a higher cost of borrowing for homebuyers. For first-time buyers and those locking in new purchase loans, this means marginally higher monthly payments than a month ago. Veterans and refinance applicants should note that current fixed rates maintain stability over the past week, providing clarity for budgeting. Members valuing payment predictability might consider fixed-rate options given recent fluctuations. Evaluating your mortgage strategy is advisable; for some, the current environment supports reviewing refinancing opportunities if potential savings outweigh associated costs. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.
ENT CREDIT UNION
As of September 23, 2026, FHA 15-Year Fixed Purchase loans hold the lowest rate at 6.0%, unchanged over the past week but up 50 basis points compared to 30 days ago. Similarly, the FHA 30-Year Fixed Purchase rate remains steady at 6.5%, reflecting a 37 basis point increase month-over-month with no change in the last seven days. These rate movements indicate a rising cost of borrowing for homebuyers opting for government-backed fixed-rate mortgages. First-time buyers relying on FHA programs should assess affordability given these incremental increases in yield spreads. Considering fixed-rate options may benefit those prioritizing payment stability amid gradual rate shifts. Members contemplating purchase strategies are advised to evaluate current rates against their long-term financial plans and market trends to optimize mortgage outcomes. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates
GOLDENWEST FEDERAL CREDIT UNION
On September 23, 2026, FHA purchase mortgage rates show mixed trends. The 15 Year Fixed FHA Mortgage increased by 12.5 basis points compared to last week, reaching a rate of 6.125%, up 62.5 basis points from 30 days ago. This rise indicates a higher cost of borrowing for buyers seeking shorter-term FHA financing, potentially affecting first-time buyers prioritizing lower monthly payments. Meanwhile, the 30 Year Fixed FHA Mortgage remains steady at 6.375%, unchanged over seven days but elevated by 38.5 basis points from one month prior. Longer-term buyers may face increased yield spreads on fixed-rate options.Members should evaluate their mortgage strategies carefully; those valuing payment stability might consider locking in current fixed rates, while others should assess if refinancing benefits outweigh rising costs. For details, visit https://www.gwcu.org/rates/homeloans.
PENTAGON FEDERAL CREDIT UNION
On September 23, 2026, the 30-year Fixed FHA Loan for Purchase is offered at 6.125% with 1.125 points, marking a 12.5 basis points decrease from last week but a 37.5 basis points increase over the past month. This short-term decline may slightly reduce borrowing costs for first-time homebuyers relying on government-backed programs; however, the monthly upward trend suggests cautious evaluation of long-term affordability. Veterans and other eligible members should monitor these fluctuations as yield spreads affect overall loan pricing. Members considering new purchases should weigh the benefits of locking in current rates against potential increases. Given recent volatility, those refinancing might assess fixed-rate options for payment stability or explore whether refinancing yields net savings after closing costs.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 23, 2026, 15-Year Fixed Purchase mortgage rates remain steady at 5.375%, unchanged from one week ago but up by 12.5 basis points compared to 30 days prior. This rate continues to be the lowest among current options, benefiting members seeking accelerated equity build-up and lower overall interest costs. Meanwhile, the 30-Year Fixed Purchase rate holds at 5.99%, also unchanged over seven days but increased by 11.5 basis points versus a month ago, impacting borrowers prioritizing long-term payment stability.For first-time buyers and those aiming for predictable monthly payments, evaluating the slight upward yield spread in fixed-rate loans is crucial. Members considering refinancing should assess whether locking in today's rates aligns with their financial goals, especially given recent incremental increases in borrowing costs.Consider fixed-rate options if you value payment consistency and evaluate refinancing when potential savings exceed associated fees. For details, visit https://www.p1fcu.org/personal/mortgage-rates.
SCHOOLSFIRST FEDERAL CREDIT UNION
As of September 23, 2026, FHA 15-Year Fixed Purchase loans hold the lowest rate at 5.875%, unchanged from one week ago but up 25 basis points compared to 30 days prior. The FHA 30-Year Fixed Purchase rate remains steady at 6.625%, also reflecting a 25 basis point increase over the past month. These yield spreads indicate a modest rise in borrowing costs for fixed-rate FHA purchases, affecting affordability for first-time buyers and those seeking long-term financing stability. Members considering new home purchases should weigh the trade-off between shorter and longer terms amid these shifts. Evaluating fixed-rate options can provide predictable payments, while monitoring rates may identify optimal refinancing opportunities to reduce overall interest expenses. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.
SPACE COAST CREDIT UNION
On September 23, 2026, SPACE COAST reports that 15-year fixed purchase mortgage rates increased by 12.5 basis points, reaching 6.00%, up from 5.875% last week and 25 basis points higher than 30 days ago. Similarly, the 30-year fixed purchase rate rose by 12.5 basis points to 6.75%, marking a consistent upward trend over the past month with a total increase of 25 basis points.These rising yields indicate a tightening in borrowing costs, which may impact affordability for first-time buyers and those locking in long-term financing. Borrowers valuing rate stability should evaluate the cost-benefit of locking in fixed terms now versus potential future fluctuations. Considering refinancing opportunities remains prudent if projected savings exceed transaction costs amid this moderate rate climb.For details, visit https://www.sccu.com/personal/consumer-rates#mortgage.
Zillow National Average
As of September 23, 2026, mortgage rates have shown an upward trend for 15-Year Fixed Rate Jumbo loans, now at 6.955%, a rise of 21 basis points from yesterday and 77 basis points over the past month. In contrast, the 30-Year Fixed Rate Jumbo remains relatively stable at 6.976%, with only a slight decrease of 3 basis points since yesterday. The overall movement indicates a mixed environment for borrowers, particularly affecting those considering shorter-term financing options. Monitoring these changes is crucial for making informed borrowing decisions, especially given the recent fluctuations in the 15-Year Fixed Rate Jumbo segment.
Federal Reserve Economic Trends
Recent data indicates that inflation expectations remain stable, with the Breakeven Inflation Rate 10Yr and 5Yr holding steady at 2.330% and 2.320%, respectively. These stable inflation rates are crucial as they influence mortgage rates, which directly affect the cost of borrowing for consumers. Notably, the largest change over the past 30 days was seen in Mortgage 30Yr Usda Average Rates, which increased by 0.38 points, while the lowest mortgage rate recorded was for Mortgage 15Yr Average Rates, currently at 0.000%. Borrowers should be aware of these fluctuations, particularly in longer-term mortgages, as they may impact affordability and financial planning strategies moving forward.
LendMesh
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Conclusion
As you plan your next move in today’s mortgage market, keep in mind that even modest shifts like the 0.125 percentage point rise on some 15-year fixed loans can add up over time. For buyers and refinancers alike, locking in one of the lowest available rates, such as Potlatch No 1 Financial’s 5.375% on a 15-year fixed, could save thousands across the life of your loan. Watch for stable inflation trends, which often support predictable borrowing costs. If you’re weighing options, consider how a fraction of a percentage point affects your budget; that difference might mean extra cash for home improvements or savings. Staying informed helps you choose wisely and make confident financial decisions.