Best 15-Year Fixed Mortgage Rates Today - September 2026 | As Low As 4.99%
Brian McKay
Brian McKay
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Today's 15-year fixed mortgage market includes offers such as FedTrust Federal Credit UnionFedTrust Federal Credit Union167 N Main St Ste 102, Arlington, TN 38002 8395A4.9 ★Texas Ratio: 8.25% offering 15-Year Fixed Rate Conventional Mortgage at 5.00%, and Sikorsky Credit UnionSikorsky Credit Union1000 Oronoque Ln, Bridgeport, CT 06418 1326A+5.0 ★Texas Ratio: 0.60% offering 15 Yr. Fixed at 5.12%, and West Virginia Federal Credit UnionWest Virginia Federal Credit Union2355 Maccorkle Ave, Saint Albans, WV 25177 2008A+5.0 ★Texas Ratio: 1.74% offering 15 Year Fixed Rate at 4.99%, and Heritage South Credit UnionHeritage South Credit Union14 Faye S Perry drive, Alexander City, AL 35004 3102A+5.0 ★Texas Ratio: 4.62% offering 15 Year Fixed Mortgage Loan at 5.25%, and Childrens Medical Center Federal Credit UnionChildrens Medical Center Federal Credit Union3333 Burnet Ave, Cincinnati, OH 45229 3026A+5.0 ★Texas Ratio: 1.15% offering First Mortgage 15 Year Fixed Rate at 5.25%.
A 15-year fixed mortgage dramatically accelerates your payoff timeline and slashes total interest paid compared to a 30-year loan — at the cost of a higher monthly payment. It is one of the most powerful wealth-building moves available to homeowners with stable income, allowing you to build equity faster and pay off your home in half the time.
15-Year Fixed Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers across the country. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: September 21, 2026
Compare 15-Year Fixed Mortgage Rates Today
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Terms and Conditions
As Low As
As Low As
As Low As; Max LTV: Up to 95%
**THESE PROMOTIONAL RATES ARE AVAILABLE FOR A LIMITED TIME AS APPROVED BY THE CMC FEDERAL CREDIT UNION BOARD OF DIRECTORS**
with up to $500 off closing costs.
Term: 15 Year Fixed (or 180 monthly payments); Term Up to 80% Loan to Value
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Term: 15 Year Fixed (or 180 monthly payments)
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Contact the credit union for details.
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From 80.01% - 100.00% LTV
Add .25% for loans less than $100,000. Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
From 80.01% - 100.00% LTV
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Rates may vary, based on loan amounts, subject property, loan qualification and credit scores. The actual payment obligation may be greater. First mortgage rates are reviewed quarterly. Updated 09/19/2025
Term: 15-Year Fixed First time Homebuyer; Owner Occupied 1st Deed of Trust (Single Family or Approved/Eligible Condo); Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 15 years
Loan amount not to exceed $499,999
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The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 5.525% interest rate, the APR for this loan type is 5.706%. The payment schedule would be: 179 payments of $1,636.82 at an interest rate of 5.525% 1 payment of $1,637.12 at an interest rate of 5.525% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice.
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The payment on a $112,500.00 loan for 15 years at an interest rate of 5.490% with a down payment of $37,500 (75% loan to value) is $918.62 monthly for 180 months. Payment does not include taxes and insurance premiums. The actual payment amount will be greater if taxes and insurance are escrowed. All loans are subject to credit approval. Rates subject to change.
From 80.01% - 100.00% LTV
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APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
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Conventional; Call Shannon at 816-324-1414 or Jessica at 816-279-5656. to help you with your mortgage loan!
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Available on primary residences located in the state of South Carolina. Rate determined by creditworthiness and lien position, so your rate may differ. The APR range is from 4.00% to a maximum of 18%. Minimum loan amount is $10,000.
First Mortgage - Primary Residence Only
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80% Loan to Value
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As low as
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Term: 15 Year Fixed Mortgage
As low as
Current as of September 8, 2026. Rates are available to homebuyers throughout Eastern Iowa including Cedar Rapids, Marion, Iowa City, and Hiawatha.
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Rate Lock: 120 days
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Up to 80.00% LTV
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Up to 80.00% LTV
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Down Payment: 20%
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Up to 80.00% LTV
Term: No Closing Cost - 15 Year Fixed Rate
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Closing Fees: $4303.00
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Fixed Rate Mortgages
As low as
As low as 6.000%
80% LTV. Fixed Rate Mortgage.
Loan Amounts: Up To $250,000
Rates are effective as of September 17, 2026. ALL Rates and APR shown are starting rates for purchase or refinance of 1-4 family owner-occupied properties in Massachusetts only. Final Rates will depend on the borrower's credit, debt-to-income, loan-to-value, property type and refinance features when applicable. APR's for Home Equity Lines of Credit assume lines are fully drawn at origination. All Home Equity Lines are structured for a 15 year draw period plus a 15 year repayment period. Rate and APR information is based on the example of a $100,000 loan at 60% Loan-To-Value (LTV) with a minimum FICO of 740.
LTV: 90%
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For other options with points, please call 610-485-2960 x751.
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Rates are effective September 17, 2026 and are subject to change at any time. Rates apply to Conforming mortgages and must meet secondary market guidelines. Conforming Purchase loan sizes up to $806,500.00 on one-unit properties. Conforming rates and APR based on $806,500.00 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. Sample Rates are shown. Rates are based on certain factors including loan amount, creditworthiness, loan-to-value (LTV), loan purpose, etc., and your rate may be higher. Additional loan programs are available.
Term: 15-Year Fixed Mortgage; Cost per $10,000 Borrowed: $84.34; Rates accurate as of Tuesday, July 28, 2026. Your payment per $10,000 borrowed for a 30-year fixed mortgage with a rate of 6.99% (7.024% APR) is $66.47. Your payment per $10,000 borrowed for a 15-year fixed mortgage with a rate of 5.99% (APR 6.04) is $83.34. Rates are based on the following assumptions: Maximum loan amount of $832,750, down payment of 20%, 80% LTV, 720+ credit, single family residence, owner-occupied, purchase or rate/term transaction, no subordinate financing, NJ property. Rates are subject to change without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your loan amount, loan type, FICO score, purpose, and loan to value. Hazard insurance is required and flood Insurance may be required if the property is located in a flood zone. The payment listed above does not include amounts for taxes, homeowner's insurance and flood
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Owner Occupied 1st Deed of Trust Single Family - 4-Plex or Approved/Eligible Condo; Based on a $100,000 loan for the specified term
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LTV: 85%
Payment*: $830.41
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Term: 15 Year Fixed Mortgage
As Low As
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Down Payment: 20%
Posted rates include a 0.50% discount for loans setup with automatic monthly payments out of a Security Bank of Kansas City Deposit account at origination. Requires an open and active checking or savings deposit account at Security Bank of Kansas City when the loan is originated.
Rates and APRs effective August 3, 2026 and are subject to change without notice. Rates, APR, payments, and fees are based on 25% down payment and excellent credit history. Your actual interest rate, APR, payment, and fees may be different than what is displayed here and will be based on several factors, including but not limited to: your credit history, property type, and transaction type. All mortgages and home equity loans require property insurance.
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20% Down; Max. Loan Amount: See note 1
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Loan amounts up to $806,500 with a down payment of 20%. Assumes a loan amount of $150,000, 20% down and 30 days prepaid interest. Prepaid finance charges are estimated to be $1,860.
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60 DAY LOCK; as low as
20% Down; Max. Loan Amount: See note 1
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Payments displayed below include only principal and interest. Payment obligations will likely be higher as the payment due may include taxes and insurance. Conforming rates apply to loan amounts $832,750 or less, and Jumbo rates apply to loan amounts of $832,750 - $1,000,000. Please contact a loan officer for pricing on loans over $1,000,000.
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The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x 1525. Our team will be happy to assist you with customized rates tailored to your specific location and requirements!; Home Loan rates as of 09/08/2026. The Annual Percentage Rate, or APR, for the loan programs shown reflects the interest rate and approximate cost of prepaid finance charges. These charges include a 1% Origination Fee but do not include other closing costs or discount points.
UP TO 85% LTV
LTV: 80%
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% Down: 20%
Downpayment as low as*: 5%; PMI:
Downpayment as low as*: 5%; PMI:
Closing Fees: $3,303.00
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LTV: Up to 90%
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The information provided is for the purchase of an owner-occupied single-family residence with a loan amount of $400,000 and valued at $533,334. This is a Loan-to-Value of 75%, meaning the loan amount divided by the sales price (or appraised value, whichever is less). Loan level price adjustments may apply. The assumed credit score is 740. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Subject to approval and creditworthiness of the applicant(s). Rates are subject to change without notice. Mortgage loans are available on properties here in Colorado, Arizona, New Mexico, Wyoming, Montana and Nebraska Must be owner occupied. Membership to Meritrust Credit Union is required.
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Get peace of mind with predictable monthly payments. Both traditional and short-term options available. As low as 6.250%
Interest rates and APRs (Annual Percentage Rate) are effective as of 09/10/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender.
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As low as
Down Payment: 20%
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Loan Amount: $300,000
Loan Amount: $300,000
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Loan Amount: $200,000
Loan Amount: $200,000
Minimum Down: 5%; Time Initial Rate is Fixed: n/a; Adjustment After Initial Period: n/a; First Adjusted Interest Rate: n/a; Max Lifetime Cap: n/a
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Origination Fee: $4,425
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Minimum mortgage loan of $30,000. Minimum credit score 620. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Mortgage points, or discount points are a form of prepaid interest you can choose to pay up front in the exchange for a lower rate and monthly payment. One mortgage point is equal to about 1% of your loan amount.
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Term: 15 Year Fixed with 1 Point
15-Year Payout; Loan Amount: Up to $749,999
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Rates are market indicators and subject to change. Owner-occupant 1st mortgage single-family detached property purchase loans with 20% down payment or equity and highest credit score tier. APRs based on loan amounts of $100,000.
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WITH RATE DISCOUNT SPECIAL
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Loan Amount: $100,000
Loan Amount: $100,000
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This is A Limited Time Offer
Term: 15 Year Fixed with 2 Points
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Mortgage rates are current as of September 17, 2026, and are subject to change at any time.
Annual Percentage Rate (APR) may vary depending on credit quality of borrower, down payment/equity, loan amount and terms. All loans subject to credit and collateral approval. Mortgage rates shown are based on a 30 day lock for a primary residence. Rates are current as of September 14, 2026, and are subject to change. Annual Percentage Rates calculated based on $3,200.00 in fees, other fees may apply. For loans with less than 20% down payment, borrower paid mortgage insurance may apply. All loans are subject to additional terms and conditions. Minimum credit score of 740 required for the advertised rates. Please consult a Loan Officer for complete details. Payment does not include taxes and insurance premiums. The actual payment amount may be greater.
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Loan Amount: Any
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Rates are as of 9/17/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity.
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Important Assumptions
Max Loan Cost/Thousand: $8.63; Advertised rates assume a 760 credit score, a minimum $150,000 loan amount, secondary market approval, and an owner-occupied single-family residential property. A lower credit score or a down payment less than 20% may be subject to higher rates. Investment or tenant-occupied properties are subject to an additional 0.75% to the interest rate.
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60% LTV
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Term: 15 year fixed mortgage; The information provided is for a 15-year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500.00 and an estimated property value of $450,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.250% interest rate, the fixed APR for this loan type is 6.467%. The monthly payment would be: 179 payments of $2,893.80 at an interest rate of 6.250% 1 payment of $2,894.44 at an interest rate of 6.250%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness.
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15-Year Fixed Mortgage Rate Trend
Daily average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
The 15-year fixed rate rose 0.218 points over the past 7 days to 6.552%, up from 6.334% last week.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 15-year fixed mortgage rate on this page is sourced directly from the official website of the lending institution. Rates are tracked daily from both banks and credit unions.
Coast-to-Coast Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and online lenders. This breadth ensures you see competitive rates that many rate surveys miss.
Time-Stamped for Full Transparency: Because 15-year fixed mortgage rates can shift multiple times per week in response to 10-year Treasury movements and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.
Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.
Frequently Asked Questions About 15-Year Fixed Mortgage Rates
What is a 15-year fixed-rate mortgage?
How does a 15-year mortgage compare to a 30-year mortgage?
What is the monthly payment on a 15-year mortgage?
Who is a 15-year mortgage best suited for?
How does my credit score affect my 15-year mortgage rate?
Should I lock my 15-year mortgage rate?
What is the difference between interest rate and APR on a 15-year mortgage?
Should I pay mortgage points on a 15-year loan?
Can I refinance into a 15-year mortgage?
How are 15-year mortgage rates determined?
What are today's best 15-year fixed mortgage rates?
- FedTrust Federal Credit Union: 5.00% (15-Year Fixed Rate Conventional Mortgage)
- Sikorsky Credit Union: 5.12% (15 Yr. Fixed)
- West Virginia Federal Credit Union: 4.99% (15 Year Fixed Rate)
- Heritage South Credit Union: 5.25% (15 Year Fixed Mortgage Loan)
- Childrens Medical Center Federal Credit Union: 5.25% (First Mortgage 15 Year Fixed Rate)
More Mortgage Rate Options
