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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-21
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%, higher than 7, 30, 60, and 90 days ago when it was 3.75%. When the Fed Funds rate rises, it can increase mortgage rates because lenders face higher borrowing costs.
Credit Union Loan Rates - Trends & Analysis:
Affinity Plus offers a 15-year Conventional Fixed rate at 6.5% today, up 13 bp from a week ago and 38 bp over the past 30 days. The 30-year Conventional Fixed and Jumbo Fixed rates are both 7.0%, each up 13 bp from last week and 25 bp over 30 days. The VA 30-year Fixed rate is 7.625%, unchanged from a week ago but up 38 bp over 30 days. Adjustable-rate 5-year and 7-year ARMs hold steady at 5.25% and 5.5%. Consumers offers a 15-year conventional fixed rate at 5.5% today. Their 30-year conventional fixed rate rose to 7.125%, up 25 bp from last week and 50 bp over the past month. Jumbo loans have a 30-year fixed rate at 7.125%, up 13 bp from last week and 50 bp from a month ago. The 5-year ARM is at 6.375%, increasing 25 bp from last week and 38 bp over 30 days.
Northrop Grumman offers adjustable-rate mortgages with a 3-year ARM at 5.5%, a 5-year ARM at 5.625%, and a 7-year ARM at 6.125% as of today. These rates have stayed steady over the past week and month. If you prefer an ARM, these are the current options to consider. Visions offers a 15-year conventional fixed at 5.75% today, unchanged from last week. Their 30-year conventional fixed is 7.25%, up 25 bp from seven days ago and 38 bp from 30 days ago. Cfcu Community offers a 30-year conventional fixed mortgage at 5.75% today, unchanged from last week and last month.
Sidney offers a 15-year fixed rate at 5.75% and a 30-year fixed rate at 6.375%, up 25 bp from a week ago. The 15-year fixed rate has held steady at 5.75%. These rates reflect conventional fixed loans as of today. Heritage Financial offers a 15-year conventional fixed rate at 6.625%, up 25 bp from a week ago, and a 30-year conventional fixed at 7.0%, up 38 bp over the same period. Their 5-year adjustable rate is 5.75%, also up 38 bp from last week, while the 7-year adjustable rate is 5.875%, up 38 bp as well. Rates have generally increased compared to two weeks ago.
Affinity offers a 15-year conventional fixed rate at 5.875%, up 25 bp from last week and 38 bp from a month ago. Their 30-year conventional fixed rate is 6.5%, also up 25 bp from last week and 38 bp from 30 days prior. For adjustable rates, the 3-year ARM is at 6.0%, rising 13 bp in the past week and 25 bp over 30 days. The 5-year ARM stands at 6.125%, with similar increases of 13 bp and 25 bp over the same periods. The 7-year ARM is 6.375%, up 13 bp week-over-week and 25 bp month-over-month.
Hudson Valley offers a 15-year conventional fixed rate at 6.5%, up 38 bp from last week and 63 bp from a month ago. Their 30-year conventional fixed is 7.125%, also up 38 bp from last week and 50 bp over the past 30 days. Adjustable rates include a 5-year ARM at 5.875%, rising 38 bp this week and 50 bp since last month, and a 7-year ARM at 6.0%, with the same weekly and monthly increases. The 10-year ARM stands at 6.375%, up 38 bp this week and 50 bp over 30 days. Municipal offers 15-year fixed loans today at 5.875%, up 25 bp from last week, and 30-year fixed loans at 6.375%, also up 25 bp. Jumbo 30-year fixed loans are at 6.5%, rising 25 bp over the past week. Adjustable 5-year, 7-year, and 10-year loans range from 6.0% to 6.5%, each increasing by 25 bp in the last seven days.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.855%, and Freddie Mac’s 30-year rate is 6.950%, with Zillow slightly lower than Freddie Mac. Zillow’s 30-year rate is higher than it was 7 days ago. These rates reflect the cost borrowers face for long-term home loans, which can influence how many people decide to buy or refinance homes.