The Fed Just Hiked Rates to 3.75%–4.00% as the 10-Year Treasury Knocked on 5% — Here's What That Actually Means for Your Mortgage Rate

The Fed Just Hiked Rates to 3.75%–4.00% as the 10-Year Treasury Knocked on 5% — Here's What That Actually Means for Your Mortgage Rate

Douglas Wilkerson
Published on: 22/09/2026

The Fed hiked rates to 3.75%–4.00% on September 16, 2026 while the 10-year Treasury knocked on 5%. Here's what the 10-year's 5% ceiling and ~3.96% floor mean for FHA, VA, and USDA mortgage rates — with the actual numbers.

Fed rate hike September 2026 mortgage rates10-year Treasury yield mortgage ratesFHA VA mortgage rates September 202610-year Treasury 5 percent