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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:
Municipal offers a 15-year fixed at 5.625% today, down 25 bp from last week, and a 30-year fixed at 6.125%, also down 25 bp. Their Jumbo 30-year fixed rate is 6.25%, down 25 bp from seven days ago. The 5-, 7-, and 10-year adjustable rates hold steady at 5.75%, 6.0%, and 6.25%, respectively. Sidney offers a 15-year fixed rate at 5.75% and a 30-year fixed rate at 6.125%, which is up 13 bp from 30 days ago. Adjustable rates include 5-year at 6.125%, 7-year at 5.875%, and 10-year at 6.0%, all unchanged from a week ago.
Empower offers a 15-year fixed rate at 6.0%, up 25 bp from a month ago. The 30-year fixed rate is 6.5%, up 13 bp from four weeks back. The 10-year fixed rate matches the 15-year at 6.0%, also up 25 bp over the last 30 days. Sunmark offers a 15-year conventional fixed rate at 6.25%, up 13 bp from a week ago. Their 30-year conventional fixed rate is 6.375%, down 13 bp over the same period. The 30-year FHA fixed rate is 6.25%, rising 13 to 25 bp depending on the timeframe. The 30-year VA fixed rate is 6.5%, up 13 bp. The 5-year ARM is at 5.875%, down 12 bp from last week.
Broadview shows a 15-year conventional fixed rate at 6.25%, up 25 bp from a week ago. The 30-year conventional fixed rate is 6.875%, also up 25 bp over seven days but down 25 bp over 30 days. FHA 30-year fixed is 6.5%, rising 25 bp in the past week. Adjustable 5-year ARM is at 5.875%, up 25 bp from last week. The 7-year ARM is 6.25%, up 25 bp this week. Jovia Financial offers a 15-year conventional fixed rate at 6.0%, up 13 bp from a week ago, and a 30-year conventional fixed rate at 6.5%, also up 13 bp over the same period. Their 30-year FHA fixed rate holds steady at 6.375%. The 15-year adjustable-rate mortgage is priced at 5.875%, and the 10-year adjustable rate is 6.375%.
Nasa offers a 15-year conventional fixed rate at 6.0%, unchanged from last week but up 25 bp from a month ago. The 30-year conventional fixed rate is 6.5%, steady over the past week and 13 bp higher than 30 days ago. FHA 30-year fixed loans are at 6.375%, the same as last week but up 25 bp from a month ago. VA 30-year fixed loans stand at 6.125%, up 13 bp from a month ago. Jumbo 30-year fixed loans are at 6.625%, unchanged this week but 25 bp higher than 30 days ago. Baxter offers a 15-year Conventional Fixed at 6.0%, up 13 bp from last week and 25 bp from 30 days ago. Their 30-year Conventional Fixed is steady at 6.625%, unchanged from last week but up 13 bp from 30 days ago. The 15-year Adjustable Fixed is 5.375%, up 13 bp from 30 days ago. The Jumbo 30-year Fixed remains steady at 6.25%.
America First shows a 15-year conventional fixed rate at 6.125%, up 25 bp from a week ago. Their 30-year conventional fixed is 6.75%, also up 25 bp in the last 7 days. FHA 30-year fixed is 6.375%, rising 13 bp this week. VA 30-year fixed stands at 6.5%, up 13 bp from last week. The 30-year conventional refinance rate is 6.875%, up 25 bp compared to seven days ago. Mid-Hudson Valley offers a 15-year conventional fixed rate at 6.0%, up 13 bp from last week. The 30-year conventional fixed rate is 6.875%, also up 25 bp over the past week and month. Both 15-year and 30-year conventional refinance rates match these values and changes.
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.