September 14, 2026

Mortgage Rates Today, September 14, 2026 (index as of Sep 11 close)

Daily index figures are Mortgage News Daily as of the September 11, 2026 close. The index posts each afternoon, so a morning update carries the prior business day.

By Brendin Straubel, NMLS #1757609 · All daily updates

Today’s index numbers

30-year fixed: 6.76% (+0.05 vs. prior week) — Freddie Mac Primary Mortgage Market Survey, latest survey dated September 10, 2026
15-year fixed: 6.09% (+0.05 vs. prior week) — Freddie Mac Primary Mortgage Market Survey, latest survey dated September 10, 2026
Daily rate index: 7.12% 30-year fixed (+0.05 on the day) — Mortgage News Daily, as of September 11, 2026. The same reading showed the 15-year at 6.65%, FHA 30-year at 6.68%, VA 30-year at 6.70%, jumbo 30-year at 7.25% and the 7/6 ARM at 6.67%.
10-year Treasury: about 4.98% Monday morning, after finishing last week near 4.95%.

These are national survey and index averages, not an offer.

What moved rates

Friday was a strange session that ended in a familiar place. Bonds actually rallied in the morning, which Mortgage News Daily called paradoxical given that the rally came alongside rising odds of a Federal Reserve rate increase, and then gave all of it back by the close. The daily 30-year index finished up another 5 basis points at 7.12%, its fifth consecutive increase, and the 10-year ended near 4.95%.

The weekend brought more energy news. Houthi attacks on shipping near the Strait of Hormuz and drone strikes that led Saudi Arabia to temporarily shut its East-West pipeline pushed crude higher again: West Texas Intermediate is near $102.30 and Brent near $107.30 this morning, after Brent gained close to 9% last week. Energy was already the biggest single line in Friday’s consumer price report, where the energy index rose 2.1% in August and 16.3% over 12 months. Each additional week of supply disruption makes the next inflation reading harder for the Fed to look past.

That is the setup for Tuesday and Wednesday. The Federal Open Market Committee meets both days and announces its decision Wednesday at 2:00 p.m. Eastern with a fresh set of economic projections. Interest-rate futures now put the odds of a quarter-point increase near 85%, up from about 70% on Friday, which would be the first increase of this cycle after the Committee held its target range at 3.50%–3.75% in July on a 9–3 vote. There are no economic releases today; retail sales arrive Wednesday morning, a few hours before the decision. This page will carry the actual outcome Thursday morning.

What it means if you are…

Buying. The daily index at 7.12% is the number that reflects what lenders are quoting, and it has risen every session since Monday of last week. The survey figure of 6.76% at the top of this page is a weekly average collected before most of that move, so treat it as history rather than a quote. If you are actively shopping, the worthwhile step this week is getting your paperwork to a point where a lender can issue a real quote quickly, because pricing is moving day to day and a stale pre-qualification letter does not tell a seller much.

Refinancing. Nothing about this week improves the math on a rate-and-term refinance. If you carry high-rate debt, though, the comparison that matters is not your first mortgage rate against today’s, it is the blended cost of what you owe. That calculation depends on balances and terms rather than headlines, and it holds up whether the Fed raises on Wednesday or not. The refinance savings check on this site will run the numbers.

Under contract. The decision comes Wednesday afternoon along with the projections that tell the market what the Committee expects next, and those projections often move rates more than the decision itself. Locking before Wednesday removes both; floating through it means accepting whatever the market does in the hours afterward. The right answer depends on your closing date, how many days are left on any lock you already have, and how much room your budget has. If your lock expires in the next two weeks, that conversation belongs on today’s calendar rather than Thursday’s.

What a $400,000 loan looks like at today’s average

At 6.76% on a 30-year fixed, principal and interest on a $400,000 loan is approximately $2,597 per month (6.76% ÷ 12 = 0.563% monthly rate, over 360 payments). At the daily index reading of 7.12%, the same loan runs about $2,694 — roughly $96 more per month, or about $34,700 across the full term. These figures exclude property taxes, homeowners insurance, flood insurance, mortgage insurance and any association dues; the actual monthly obligation will be greater.

Florida note

If you close on a Florida home this fall and intend to live in it, the homestead exemption is worth putting on your calendar now rather than in the spring. The exemption takes up to $50,000 off the assessed value for most homeowners and, more valuably over time, caps annual assessment increases at 3% under Save Our Homes. The application deadline is March 1 for the following tax year, and filing is not automatic when you buy. Owners who already had homestead elsewhere in Florida can carry accumulated savings to the new property through portability, which requires a separate form filed in the same window. Neither affects your loan approval, but both change the tax line in your escrow account, and that is the part of the payment most buyers underestimate.

Rates shown could change or may not be available at commitment or closing. For a quote on your own scenario, use the rate-quote form on this page.

Daily Mortgage Rates is published by PMF, Inc. d/b/a Pioneer Mortgage Funding, NMLS #1980 · Branch NMLS #2681379 · Mortgage Loan Originator: Brendin Straubel, NMLS #1757609 · 401 E Jackson St, Suite 2340, Tampa, FL 33602 · 813-728-7764 · bstraubel@pmfmortgage.com. Verify licensing at nmlsconsumeraccess.org. Not a commitment to lend. All loans subject to credit approval.