Mortgage and refinance interest rates today, Sunday, September 13, 2026: Mortgage rates surged higher in the last week

According to Zillow data, mortgage rates increased this week compared to last week. The 30-year fixed rate climbed 24 basis points to 6.91%, while the 15-year fixed rate rose 33 basis points to 6.37%, and the 5/1 ARM increased 21 basis points to 6.85%. These rates are the national averages rounded to the nearest hundredth. Mortgage refinance rates tend to be higher than purchase rates, but they can vary depending on the borrower's financial situation.

Refinancing can be a good option if you have a high credit score, large down payment, and low debt-to-income ratio. Keep in mind that the APR, which includes the interest rate, fees, and points, is a more accurate reflection of the total cost of borrowing.