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Today’s Mortgage Rates & Analysis - Updated on 2026-OCT-04
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%. This is higher than 30 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:
Apple offers a 15-year fixed conventional loan at 6.625% and a 30-year fixed conventional loan at 7.375% today. They also have 5-year and 7-year adjustable conventional loans at 6.625% and 6.75%, respectively. Chartway offers a 30-year conventional fixed mortgage at 7.00% today. This rate is up 95 bp from a week ago and 63 bp higher than 30 days ago. Pentagon offers a 30-year Conventional fixed rate at 7.0% and a 30-year Conventional rate at 7.125%, both up 38 bp from 15 days ago and 75 bp from 30 days ago. The FHA and VA 30-year fixed rates are each 6.5%, also up 38 bp over 15 days and 75 bp over 30 days. The Jumbo 30-year fixed rate is 7.0%, up 25 bp from a week ago and 75 bp from a month ago.
Chevron offers a 15-year conventional fixed mortgage at 7.0% today, up 13 bp from last week and 88 bp from a month ago. Their 30-year conventional fixed rate is 7.375%, rising 25 bp over the past week and 75 bp since a month ago. Jumbo 30-year fixed loans match the 30-year conventional fixed rate at 7.375%, with the same weekly and monthly increases. Digital shows a 15-year conventional fixed rate at 7.0% and a 30-year conventional fixed rate at 7.875% today. The 30-year fixed rate rose 25 bp from a week ago and 100 bp from a month ago. Their 15-year conventional refinance rate is also 7.0%, while the 30-year conventional refinance rate is 7.875%, up 13 bp from last week and 75 bp from last month. The Jumbo 30-year fixed rate is 7.625%, up 13 bp from last week.
First Technology offers a 15-year conventional fixed rate at 7.0% and a 30-year conventional fixed rate at 7.875% today. The 30-year fixed rate rose by 25 bp in the past week and 88 bp over the last 30 days. Jumbo 30-year fixed loans are at 7.625%, up 13 bp in a week and 75 bp in a month. Adjustable 5-year fixed loans are 6.625%, down 13 bp in a week but up 38 bp in 30 days. The 7-year and 10-year adjustable fixed rates are 6.75% and 7.0%, respectively, with small recent changes.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 7.231%, slightly higher than Freddie Mac's 7.280%. Zillow's 15-year rate is 7.084%, up from 6.861% seven days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.