According to Zillow lender marketplace data for Monday, September 7, 2026, the 30-year fixed purchase rate is 6.67%, 6 basis points lower than the current refinance rate. The 15-year fixed purchase rate is 6.04%, 7 basis points lower than the 15-year refi rate. The 5/1 ARM purchase rate is 6.64%, which is 14 basis points higher than the 5/1 refi rate.