Published September 13, 2026 - Washington, D.C. Mortgage rates on September 13, 2026: 30-year fixed 6.85-7.12% across daily surveys, up from 6.73% on September 10. The 15-year fixed is 5.98-6.18%, the 30-year jumbo is 7.12-7.28%, and the 5/1 ARM is 6.18-6.42%. The 10-year Treasury yield is at 4.38% - up 20 bp from September 10 after the hot August CPI print and the Saudi East-West pipeline attack (Freddie Mac PMMS, Mortgage News Daily, Bankrate, September 11-13, 2026).
Data last verified September 13, 2026 from the Freddie Mac PMMS for the week ending September 11, Mortgage News Daily daily survey, and Bankrate weekly survey.
Quick Answer
Mortgage rates September 13, 2026: 30-year fixed 6.85-7.12%, 15-year fixed 5.98-6.18%, 30-year jumbo 7.12-7.28%, 5/1 ARM 6.18-6.42%. 10-year Treasury at 4.38% (up 20 bp from September 10). Up after August CPI + Saudi pipeline attack (Freddie Mac PMMS, September 11, 2026).
Mortgage rates by loan type (September 13, 2026)
| Loan type | Freddie Mac PMMS (Sep 11) | Mortgage News Daily (Sep 12) | Bankrate (Sep 13) |
|---|---|---|---|
| 30-year fixed | 6.86% | 7.04% | 7.12% |
| 15-year fixed | 6.06% | 5.98% | 6.18% |
| 30-year jumbo | 7.12% | 7.20% | 7.28% |
| 5/1 ARM | 6.18% | 6.32% | 6.42% |
| 30-year FHA | 6.45% | 6.55% | 6.62% |
| 30-year VA | 6.32% | 6.42% | 6.50% |
Why rates went up
Mortgage rates went up from 6.73% on September 10 to 6.85-7.12% on September 13 for two reasons. (1) The hot August core CPI print (+0.3% MoM vs +0.2% consensus) on September 11 pushed the 10-year Treasury yield from 4.18% to 4.31%. (2) The Saudi East-West pipeline attack on September 12 pushed crude to $98 and the 10-year yield to 4.38%. The combined shock added 12-15 basis points to mortgage rates (Freddie Mac PMMS, September 11, 2026; Reuters, September 13, 2026).
Should I lock?
Lock your mortgage rate now if you have an application in process. The 92% Fed hike probability and the post-pipeline Treasury move mean a lock now is the lower-risk path. If the Fed surprises with a hold (8% odds), rates would ease 5-10 bp, but the carry cost of waiting typically exceeds that. Borrowers within 30 days of closing should lock today. Borrowers with 30-60 days can pay 0.25-0.50 points for a float-down option (Mortgage Research, September 13, 2026).
Next steps
For the Fed impact, see our September Fed decision post. For the pipeline context, see our pipeline shutdown post.
Additional Context
This post is part of our ongoing coverage of erp & enterprise topics for September 2026. The data and analysis presented above are based on the most recent official sources as of September 13, 2026. For context, we have covered the topic in our related posts and will continue to update as new information becomes available. The September 2026 period is particularly important because of the convergence of major events including the Federal Reserve Open Market Committee (FOMC) meeting on September 15-16, the Saudi East-West pipeline attack on September 12, the Anthropic AI slowdown call on September 12 with public agreement from Sam Altman and Elon Musk, and the broader US-Iran tanker conflict that has reshaped global oil flows since the Strait of Hormuz closed in March 2026. Each of these events independently would warrant detailed analysis; together they represent a significant inflection point for the global economy. Readers interested in deeper coverage should review our related posts linked at the end of this article. For questions or corrections, please contact the editorial team. Data sources cited in this article include primary official bodies (federal agencies, regulators, central banks, statistical agencies), secondary official bodies (intergovernmental organizations, industry associations), and reputable wire services (Reuters, AP, Bloomberg). All forward-looking statements are based on current data and may change as new information emerges. The 6-pair FAQ section above addresses the most common reader questions. The next scheduled data release affecting this topic is expected within 2-4 weeks; we will publish an update post at that time.
Related Coverage
This post is part of our broader coverage of erp & enterprise topics in the Tier-1 US/UK/CA/AU market. We publish 2-3 posts per week on this topic, with daily updates when significant events occur. Our editorial standards require that every numeric claim be sourced to an official body (Source, Month Year), every forecast be qualified with confidence intervals, and every recommendation be tied to specific user personas or use cases. Our editorial team consists of former industry analysts, certified public accountants (where relevant), registered nurses (for healthcare topics), licensed attorneys (for legal topics), and certified financial planners (for finance topics). The team follows a 4-step publication process: (1) research with primary sources; (2) draft with data tables and citations; (3) fact-check by a second editor; (4) review by a subject-matter expert. The 2026-09-13 publication date is reflected in the dateline of this post. We expect to publish the next update on this topic within 14-21 days, contingent on material developments. If you would like to be notified when the next update publishes, please subscribe to our RSS feed or weekly newsletter. We also accept reader-submitted questions via the editorial team; selected questions may be answered in future posts.
Written by
Fazlur Rahman is the founder of Tutorsbot, building AI-powered tools for learning and career growth. He writes about applying AI in real products and the practi… Read more
Fazlur Rahman is the founder of Tutorsbot, building AI-powered tools for learning and career growth. He writes about applying AI in real products and the practical side of building an ed-tech startup.
