Best Mortgage Lenders 2026

Purchase Mortgage Rates as of September 2026

As of September 22, 2026, the average 30-year fixed purchase mortgage rate is 7.15% (7.22% APR), the 15-year fixed is 6.54% (6.64% APR), 30-year FHA loans average 6.87%, 30-year VA loans average 6.86%, and 30-year jumbo loans average 7.30%, according to Bankrate. Rates have climbed as the Fed has held rates higher and 10-year Treasury yields have pushed near 5%.

How to Compare Mortgage Lenders

• Rate isn't everything — compare the full Loan Estimate, including origination fees and discount points, not just the headline rate.
• Check minimum credit score requirements — conventional loans typically need 620+, FHA as low as 580, VA has no fixed minimum.
• Ask about lender credits — some lenders offer closing cost credits or rate buydowns worth thousands over the life of the loan.
• Get at least 3 quotes on the same day — rates move daily, so same-day comparisons are the only fair ones.

Guides and Resources

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