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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-14
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, the same as 7, 30, 60, and 90 days ago. The rate is lower than it was one year ago at 4.50%. When the Fed Funds rate is higher, mortgage rates often face upward pressure because lenders’ costs increase.
Credit Union Loan Rates - Trends & Analysis:
Pentagon shows a 30-year Conventional Fixed rate today at 6.5%, up 25 bp from a week ago. Their 30-year Conventional Refinance rate is 6.625%, rising 25 bp in seven days and 38 bp over 30 days. FHA 30-year Fixed is 6.0%, up 25 bp in a week and 38 bp in 30 days. VA 30-year Fixed stands at 6.125%, increasing 38 bp in seven days and 50 bp in 30 days. Jumbo 30-year Fixed is 6.375%, up 13 bp in the past week. Kinecta offers a 30-year Conventional fixed mortgage at 6.5% today, up 13 bp from two weeks ago. Their 30-year Jumbo fixed rate is steady at 6.625%. Adjustable rates for 5- and 7-year ARMs are both at 5.625% today.
Polish & Slavic offers a 15-year conventional fixed rate today at 6.625%, up 25 bp from last week and 50 bp from a month ago. Their 30-year conventional fixed is 6.875%, also up 25 bp from last week and 38 bp from 30 days ago. For adjustable rates, their 3-year and 5-year ARMs are both at 6.0% today, with a 25 bp increase from last week and 38 bp from 30 days ago. The 7-year ARM is 6.25%, up 25 bp from last week and 38 bp from a month ago, while the 10-year ARM stands at 7.125%, up 25 bp from last week and 38 bp from 30 days ago.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.745%, higher than Freddie Mac’s 6.760%. Zillow’s 30-year rate is also higher than it was 7 days ago. The Zillow 15-year rate stands at 6.482%. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance existing loans.