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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-21
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%, higher than 7, 30, 60, and 90 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:
Affinity Plus offers a 15-year Conventional Fixed rate at 6.5% today, up 13 bp from a week ago and 38 bp over the past 30 days. The 30-year Conventional Fixed and Jumbo Fixed rates are both 7.0%, each up 13 bp from last week and 25 bp over 30 days. The VA 30-year Fixed rate is 7.625%, unchanged from a week ago but up 38 bp over 30 days. Adjustable-rate 5-year and 7-year ARMs hold steady at 5.25% and 5.5%. Navy Federal Credit Union has a 15-year Conventional Fixed rate today at 6.0%, up 38 bp from a week ago. The 30-year Conventional Fixed rate is 6.625%, also up 38 bp over seven days and 50 bp higher than 30 days ago. The 30-year VA Fixed rate stands at 6.25%, increasing 38 bp in the past week. FHA 3-year ARM is at 5.625%, with a 25 bp rise in the last seven days. The 5-year ARM is 5.875%, up 25 bp this week.
Wings Financial shows a 15-year conventional fixed rate today at 6.25%, up 13 bp from last week and 63 bp from a month ago. Their 30-year conventional fixed is steady at 6.875%, unchanged from last week but 50 bp higher than a month ago. The 30-year jumbo fixed is 6.875%, up 13 bp from last week and 50 bp from a month ago. Adjustable rates include a 5-year ARM at 6.125%, up 38 bp from last week and 75 bp from a month ago, and a 7-year ARM at 6.0%, up 13 bp from last week and 38 bp from a month ago. Dupaco Community offers a 15-year conventional fixed at 6.38%, up 25 bp from a week ago and 50 bp higher than 30 days back. Their 30-year conventional fixed is 6.75%, rising 38 bp over the past week and 38 bp since 30 days ago. The same rates apply for the 15- and 30-year conventional refinances with similar changes.
Digital shows a 15-year conventional fixed rate today at 6.75%, up 38 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.375%, up 38 bp from last week and 50 bp from 30 days ago. The 15-year conventional refinance rate is 6.625%, up 13 bp from last week and 50 bp from 30 days ago. The 30-year conventional refinance rate holds steady at 7.375%, up 38 bp from 30 days ago. Jumbo 30-year fixed is 7.25% today, up 50 bp from 30 days ago.
Pentagon offers a 30-year Conventional Fixed at 6.625% today, up 13 bp from last week and 38 bp from a month ago. Their 30-year Conventional Refinance Fixed is at 6.75%, also up 13 bp from last week and 50 bp from a month ago. The 30-year FHA Fixed rate is 6.125%, rising 13 bp since last week and 38 bp over the past month. The 30-year VA Fixed is steady today at 6.125%, with a 38 bp increase from a month ago. Jumbo 30-year Fixed loans are at 6.625%, up 25 bp from last week and 38 bp from a month ago.
America First shows a 15-year conventional fixed rate at 6.375%, up 25 bp from last week and 63 bp higher than a month ago. Their 30-year conventional fixed rate is 6.875%, unchanged from last week but up 38 bp from a month ago. FHA 30-year fixed is 6.5%, up 13 bp from last week and 50 bp from a month ago. VA 30-year fixed stands at 6.625%, up 13 bp this week and 50 bp over 30 days.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.855%, and Freddie Mac’s 30-year rate is 6.950%, with Zillow slightly lower than Freddie Mac. Zillow’s 30-year rate is higher than it was 7 days ago. These rates reflect the cost borrowers face for long-term home loans, which can influence how many people decide to buy or refinance homes.