Mortgage rate report — week of 2026-09-21

As of September 17, 2026, the illustrative 30-year fixed rate through Ralo is 5.875%, against a market average of 6.95%. Ralo is a licensed mortgage broker, not a lender, and the spread reflects a thin commission on wholesale pricing rather than any markup. The figure is illustrative only and not a quote or a guarantee; individual pricing depends on borrower and property characteristics.

Trend data, state-level ranges, and band ranges were not available for this report, so no week-over-week comparison is offered here. The only other reference point in this week's data is SOFR, which printed at 3.65452% on September 18, 2026.

No projection of future rate movement is made or implied. Borrowers should treat all figures above as illustrative and confirm current pricing before making any decision.

Ralo vs the market: Ralo’s illustrative 30-year fixed rate is 5.88% against a Freddie Mac PMMS national average of 6.95% (as of 2026-09-17).

ARM desk: the 30-day average SOFR is 3.655% (2026-09-18); an illustrative Ralo 5/6 ARM prices at 6.125% with a 2.75% margin and 2/1/5 caps. Mechanics and history: the ARM Index.