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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:
Alliant offers a 15-year Conventional fixed rate at 6.75%, up 63 bp from a week ago. Their 30-year Conventional fixed rate is 7.5%, also up 50 bp in the last week. Adjustable rates include a 5-year ARM at 6.375%, rising 25 bp, a 7-year ARM at 6.5%, and a 10-year ARM at 6.75%, each up 25 bp from last week. Baxter offers a 15-year conventional fixed rate today at 6.5%, unchanged from a week ago but up 63 bp from a month ago. Their 30-year conventional fixed rate is 7.25%, up 13 bp in the past week and 63 bp over the last month. The jumbo 30-year fixed rate is 7.125%, up 25 bp in the past week and 88 bp over the last month. The 5-year ARM fixed rate is today 5.625%, up 50 bp from a week ago and 75 bp from a month ago.
State Department shows a 15-year conventional fixed rate today at 6.375%, down 13 bp from a week ago. The 30-year conventional fixed rate is 7.0%, also down 13 bp over the last week. The 15-year adjustable rate is 6.5%, up 50 bp in the past week, while the 30-year adjustable rate is 6.625%, unchanged from a week ago. Jumbo 30-year fixed loans are at 7.5%, down 63 bp since last week.
Nasa offers a 15-year conventional fixed rate at 6.625% today, unchanged from a week ago but up 63 bp from a month prior. Their 30-year conventional fixed rate is 7.125%, also steady over the past week but 63 bp higher than 30 days ago. FHA 30-year fixed is at 7.0%, unchanged in the last week and up 63 bp from a month ago. The VA 30-year fixed rate is 6.75%, down 13 bp from last week but up 63 bp over the past month. Jumbo 30-year fixed stands at 7.0%, down 13 bp from a week ago and up 38 bp from 30 days earlier.
America First offers a 15-year conventional fixed rate at 6.625%, unchanged from a week ago but up 75 bp from a month ago. Their 30-year conventional fixed rate is 7.25%, steady from last week and up 63 bp over 30 days. The 30-year conventional refinance rate rose 13 bp in the past week to 7.25%. FHA 30-year fixed loans are at 7.0%, with a 50 bp increase in the last week and 75 bp over 30 days. VA 30-year fixed rates are 7.0%, down 13 bp from a week ago but up 63 bp over 30 days. Consumers show a 15-year Conventional Fixed rate today at 6.875%, up 138 bp from a week ago. Their 30-year Conventional Fixed rate is steady at 7.375%. The Jumbo 30-year Fixed rate is 7.75%, up 63 bp in the last week and 75 bp over the past month. The 5-year ARM is 6.625%, up 13 bp from last week and 50 bp over the month.
Dupaco Community offers a 15-year conventional fixed rate at 6.63% today, down 12 bp from last week but up 50 bp from a month ago. The 30-year conventional fixed and 30-year conventional refinance rates are both 7.13%, unchanged from last week but up 63 bp from a month ago. The 15-year conventional refinance rate is 6.75%, steady from last week and up 63 bp from a month ago.
Allegacy offers a 15-year conventional fixed rate at 7.0%, up 50 bp from a week ago and 88 bp from a month ago. The 30-year conventional fixed rate is 7.625%, rising 63 bp in the past week and 100 bp over the last 30 days. Adjustable 5-year fixed loans are at 7.0%, up 75 bp in a week and 100 bp in a month. The 7-year fixed rate is 7.375%, increasing 75 bp weekly and 113 bp monthly, while the 10-year fixed stands at 6.75%, up 50 bp week-over-week and 75 bp month-over-month. Credit Human offers a 15-year fixed rate at 6.775%, down 13 bp from a week ago but up 68 bp from a month ago. Their 30-year fixed rate is 7.25%, up 5 bp over the past week and 67 bp higher than a month ago. Rates have moved slightly in the past week but remain higher than last month.
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.
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.