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Looking for the best mortgage lenders in Raleigh, NC? Compare offers from trusted local banks and credit unions to find rates and terms that fit your budget and lifestyle. We make it easy to explore your options and get the loan that’s right for you.
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Today’s Mortgage Rates & Analysis - Updated on 2026-OCT-05
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:
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. First Flight offers a 15-year conventional fixed mortgage at 7.273% today. This rate is up 13 bp from a week ago and 76 bp higher than a month ago.
Founders offers a 15-year conventional fixed rate at 6.25%, up 25 bp from a week ago and 38 bp from a month ago. Their 30-year conventional fixed rate is 7.125%, unchanged from last week but up 63 bp from a month ago. The 7-year adjustable rate is 6.25%, rising 13 bp over the past week and 38 bp over the past month.
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.