Mortgage Loans

Today’s Fed Funds Effective Rate is 4.25%, which is lower than 30 days ago when it was 4.50%. The Fed Funds rate influences mortgage rates because it affects the cost banks pay to borrow money, which can impact mortgage lending rates.

First Financial Of Maryland offers a 15-year fixed mortgage at 5.25% and a 30-year fixed mortgage at 6.125% as of October 13, 2025. These rates provide options for borrowers looking for shorter or longer-term fixed loans. Coast Central offers a 30-year conventional fixed mortgage at 5.0% today. Affinity offers a 15-year conventional fixed rate at 5.125% and a 30-year conventional fixed at 5.75%, both unchanged from last week but up 13 bp from a month ago. Their 3-, 5-, and 7-year adjustable rates remain steady at 4.375%, 4.5%, and 4.75%, respectively. The 30-year fixed rate is today 5.75%, and the 15-year fixed is 5.125%.

Aloha Pacific offers a 15-year Conventional Fixed at 4.5% and a 30-year Conventional Fixed at 5.0% today. The Jumbo 30-year Fixed rate is also 5.0%. Vantage shows a 15-year Conventional Fixed rate today at 5.14% and a 30-year Conventional Fixed rate at 5.75%. The 7-year ARM is priced at 6.12%, and the 10-year ARM is at 5.875%. These rates reflect current market conditions as of October 13, 2025. Hawaiian Financial has a 15-year fixed mortgage rate today at 4.625% and a 30-year fixed rate at 5.5%. These rates reflect the current pricing as of October 13, 2025.

Family Trust offers a 15-year fixed rate today at 4.708% and a 30-year fixed rate at 5.553%. These rates reflect the current pricing as of October 13, 2025. Nuvision offers a 15-year Conventional Fixed at 5.0% and a 30-year Conventional Fixed at 5.875%. Their 30-year FHA Fixed is today 5.5%, unchanged from a week ago. The 30-year VA Fixed is also 5.5%. Jumbo 30-year Fixed is 5.875%, up 13 bp from last week. Adjustable-rate 5-year and 7-year terms are at 4.75% and 4.875%, respectively.

State Department shows a 15-year conventional fixed rate today at 4.875% and a 30-year conventional fixed at 5.625%. The 30-year jumbo fixed rate matches the conventional at 5.625%. Adjustable rates include a 5-year ARM at 5.25%, a 7-year ARM also at 5.25%, and a 10-year ARM at 5.5%. Baxter offers a 15-year Conventional Fixed at 5.125%, unchanged from last week but up 13 bp from a month ago. Their 30-year Conventional Fixed is 6.0%, up 13 bp from a week ago and also 13 bp higher than a month ago. The 30-year Jumbo Fixed is steady at 5.875%, rising 25 bp over the past 30 days. The 5-year Adjustable is 4.75%, steady over the last month.