{"id":8704,"date":"2026-10-20T14:05:30","date_gmt":"2026-10-20T21:05:30","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/8704\/"},"modified":"2026-10-20T14:05:30","modified_gmt":"2026-10-20T21:05:30","slug":"mortgage-rates-september-housing-data-89fc347ad4a4","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/8704\/","title":{"rendered":"Mortgage Rates Rise as September Housing Data Slumps Further"},"content":{"rendered":"<p><!-- loaning-news-bot:89fc347a-d4a4-4db2-903d-cf39975f33dd --><\/p>\n<style id=\"loaning-news-article-design-system\">\n@import url(\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard@v1.3.9\/dist\/web\/variable\/pretendardvariable-dynamic-subset.min.css\");\n.loaning-geo-article,.loaning-geo-article *{box-sizing:border-box!important;font-family:\"Pretendard Variable\",Pretendard,-apple-system,BlinkMacSystemFont,\"Segoe UI\",sans-serif!important}\n.loaning-geo-article{--loaning-green:#15966b;--loaning-ink:#26332d;--loaning-muted:#68756f;--loaning-line:#e1e7e4;width:100%!important;max-width:860px!important;margin:0 auto!important;padding:0 16px 140px!important;color:var(--loaning-ink)!important;font-size:16px!important;line-height:1.75!important;overflow-wrap:break-word}\nbody:has(.loaning-geo-article) .jnews_content_top_ads:has(.ads-wrapper:empty){display:none!important}\nbody:has(.loaning-geo-article) .entry-header{margin-bottom:18px!important}\nbody:has(.loaning-publish-date) .entry-header .jeg_meta_date{display:none!important}\n.loaning-geo-article>br,.loaning-geo-article>p:empty{display:none!important}\n.loaning-publish-date{display:block!important;margin:0 0 14px!important;color:#68756f!important;font-size:13px!important}\n.loaning-geo-article>h2,.loaning-geo-article section>h2{margin:36px 0 16px!important;padding-bottom:10px!important;border-bottom:1px solid #dce5e0!important;color:#173f2e!important;font-size:26px!important;line-height:1.38!important}\n.loaning-intro{margin-bottom:20px!important;font-size:18px!important}\n.loaning-article-tools{position:relative!important;z-index:20!important;display:flex!important;justify-content:space-between!important;gap:18px!important;margin-bottom:24px!important;padding-bottom:18px!important;border-bottom:1px solid #e3eae6!important}\n.loaning-article-tools__keywords{display:flex!important;flex:1!important;flex-wrap:wrap!important;gap:7px 14px!important}\n.loaning-article-tools__label{flex-basis:100%!important;color:#7a8680!important;font-size:11px!important;font-weight:700!important}\n.loaning-article-tools__keywords span:not(.loaning-article-tools__label){color:#27664a!important;font-size:13px!important;font-weight:650!important}\n.loaning-article-tools__actions{position:relative!important;display:flex!important;gap:10px!important}\n.loaning-ai-summary{position:relative!important}\n.loaning-ai-summary>summary{display:flex!important;align-items:center!important;min-height:44px!important;padding:8px 14px!important;border:1px solid #d5e2db!important;border-radius:999px!important;background:#fff!important;font-weight:700!important;list-style:none!important;cursor:pointer!important}\n.loaning-ai-summary>summary::-webkit-details-marker{display:none!important}\n.loaning-ai-summary__panel{position:absolute!important;z-index:40!important;top:calc(100% + 10px)!important;right:0!important;width:min(420px,calc(100vw - 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32px),680px)!important;transform:translateX(-50%)!important}\n.loaning-floating-cta__link{display:flex!important;align-items:center!important;justify-content:center!important;min-height:52px!important;border-radius:999px!important;background:#49cc7f!important;color:#fff!important;text-decoration:none!important;font-weight:700!important}\n@media(max-width:680px){.loaning-geo-article{padding:0 12px 124px!important}.loaning-article-tools{flex-direction:column!important}.loaning-ai-summary__panel{right:auto!important;left:0!important}.loaning-geo-article>h2,.loaning-geo-article section>h2{font-size:24px!important}.loaning-floating-cta{width:calc(100vw - 24px)!important}.loaning-side-tools{right:12px!important;bottom:72px!important;width:44px!important}.loaning-side-tools__item span{display:none!important}}\n@media print{.loaning-floating-cta,.loaning-side-tools,.loaning-article-tools__actions{display:none!important}}\n<\/style>\n<article id=\"loaning-article-top\" class=\"loaning-geo-article\" lang=\"en\">\n<br \/>\n<br \/>\n<br \/>\n<\/p>\n<p><time class=\"loaning-publish-date\" datetime=\"2026-10-21\">10\/21\/26<\/time><\/p>\n<section class=\"loaning-article-tools\">\n<div class=\"loaning-article-tools__keywords\"><span class=\"loaning-article-tools__label\">Related keywords<\/span><span>#mortgage rates<\/span><span>#Housing Market<\/span><span>#Federal Reserve<\/span><span>#Home Sales<\/span><\/div>\n<div class=\"loaning-article-tools__actions\">\n<details class=\"loaning-ai-summary\">\n<summary aria-label=\"AI Summary\">AI Summary<\/summary>\n<div class=\"loaning-ai-summary__panel\">\n<p><strong>The essentials at a glance<\/strong><\/p>\n<p>September housing reports weakened sharply as mortgage rates stayed above 7%, adding pressure to affordability while the Fed weighs its next move.<\/p>\n<\/div>\n<\/details>\n<p><button class=\"loaning-share-button\" type=\"button\" aria-label=\"Share this article\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><circle cx=\"18\" cy=\"5\" r=\"2.5\"><\/circle><circle cx=\"6\" cy=\"12\" r=\"2.5\"><\/circle><circle cx=\"18\" cy=\"19\" r=\"2.5\"><\/circle><path d=\"M8.2 10.8 15.8 6.2M8.2 13.2l7.6 4.6\"><\/path><\/svg><\/button><br \/>\n<span class=\"loaning-share-status loaning-visually-hidden\" aria-live=\"polite\"><\/span>\n<\/div>\n<\/section>\n<div class=\"loaning-intro\">\n<p>September housing reports weakened sharply as mortgage rates stayed above 7%, adding pressure to affordability while the Fed weighs its next move.<\/p>\n<\/div>\n<div class=\"loaning-key-takeaways\">\n<p class=\"loaning-key-takeaways__title\">\ud83d\udcdd <strong>Key Takeaways<\/strong><\/p>\n<ul>\n<li><strong>Mortgage Rates Meet Weak Sales:<\/strong> Pending home sales reached an all-time low in September, according to the National Association of Realtors.<\/li>\n<li><strong>Home Borrowing Costs and Building:<\/strong> Privately owned housing starts declined at a seasonally adjusted annualized rate of 5.2% in September, while building permits fell 0.2%.<\/li>\n<li><strong>Mortgage Costs and Fed Pressure:<\/strong> The rate for a 30-year mortgage was above 7% for most of September and ended the month around 7.6%, according to Mortgage News Daily.<\/li>\n<\/ul>\n<\/div>\n<nav class=\"loaning-toc\" aria-label=\"In this guide\">\n<p class=\"loaning-toc__title\">In this guide<\/p>\n<div class=\"loaning-toc__links\"><a href=\"#loaning-news-section-1\">Mortgage Rates Meet Weak Sales<\/a><a href=\"#loaning-news-section-2\">Home Borrowing Costs and Building<\/a><a href=\"#loaning-news-section-3\">Mortgage Costs and Fed Pressure<\/a><\/div>\n<\/nav>\n<div class=\"loaning-key-takeaways loaning-fact-check\">\n<p class=\"loaning-key-takeaways__title\">\u2705 <strong>Fact-Check Snapshot<\/strong><\/p>\n<ul>\n<li>Pending home sales reached an all-time low in September.<\/li>\n<li>Privately owned housing starts fell 5.2% in September.<\/li>\n<li>The 30-year mortgage rate was above 7% for most of September.<\/li>\n<\/ul>\n<\/div>\n<section aria-labelledby=\"loaning-news-section-1\">\n<h2 id=\"loaning-news-section-1\">Mortgage Rates Meet Weak Sales<\/h2>\n<p>Pending home sales reached an all-time low in September, according to the National Association of Realtors. The index, which tracks homes under contract but not yet completed, fell 7.3% during the month and was 11.3% below its level a year earlier.<\/p>\n<p>For buyers, a weaker pipeline of signed deals can signal that affordability is limiting activity. Mortgage rates remain one factor that can change the monthly cost of a purchase, making even modest rate movements important for households comparing homes and loan payments.<\/p>\n<\/section>\n<section aria-labelledby=\"loaning-news-section-2\">\n<h2 id=\"loaning-news-section-2\">Home Borrowing Costs and Building<\/h2>\n<p>Privately owned housing starts declined at a seasonally adjusted annualized rate of 5.2% in September, while building permits fell 0.2%. Both results missed the expectations cited in the report.<\/p>\n<p>The figures add to signs of weakness in new-home activity. A softer construction pipeline can narrow the choices available to buyers, although the data alone do not establish why each project was delayed or canceled.<\/p>\n<\/section>\n<section aria-labelledby=\"loaning-news-section-3\">\n<h2 id=\"loaning-news-section-3\">Mortgage Costs and Fed Pressure<\/h2>\n<p>The rate for a 30-year mortgage was above 7% for most of September and ended the month around 7.6%, according to Mortgage News Daily. At the same time, the Federal Reserve was considering whether to raise interest rates again as it continued its fight against inflation.<\/p>\n<p>That combination leaves housing weakness competing with inflation concerns in the policy outlook. If borrowing costs remain elevated, buyers may face continued affordability pressure; the report also notes that markets expected the Fed to hold benchmark rates steady at its next meeting. The immediate central subject is still mortgage rates and how their level is weighing on housing activity.<\/p>\n<\/section>\n<div class=\"loaning-editorial-disclosure\">This article is for general information only, not financial, legal, tax or mortgage advice or a loan offer.<\/div>\n<div class=\"loaning-side-tools\"><button type=\"button\" class=\"loaning-side-tools__item loaning-side-tools__item--top\" aria-label=\"Back to top\" hidden><span>Back to top<\/span>\u2191<\/button><\/div>\n<div class=\"loaning-floating-cta\"><a class=\"loaning-floating-cta__link\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_1021\" target=\"_blank\" rel=\"noopener noreferrer\">Compare mortgage options<\/a><\/div>\n<\/article>\n<p><br \/>\n<script>\n(function(){\nconst article=document.getElementById(\"loaning-article-top\");if(!article)return;\nconst 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