Looking for the best mortgage rates in New Smyrna Beach, FL? Compare offers from trusted local banks and credit unions to find competitive rates that fit your budget. Our easy process helps you see all your options in one place, so you can make confident decisions fast.
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Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.
Credit Union Loan Rates - Trends & Analysis:
Gulf Winds offers a 15-year fixed rate at 6.5% and a 30-year fixed rate at 6.875%, both unchanged from last week. Their adjustable 3-, 5-, 7-, and 10-year ARMs start at rates between 6.28% and 6.58%, steady since a month ago. Midflorida shows a 30-year conventional fixed rate today at 6.5%. This rate has increased by 13 bp over the past 30 days. The 30-year conventional fixed rate for refinances is 6.24%. Tyndall offers a 30-year Conventional fixed mortgage at 6.875% today, up 13 bp from 30 days ago. Their 30-year FHA fixed rate is 6.375%, which increased by 25 bp over the past month. Both rates have held steady compared to last week.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.
🏦 Local Lenders in New Smyrna Beach, FL
SPACE COAST CREDIT UNION — 1701 S DIXIE FWY NEW SMYRNA BEACH FL 32168
SPACE COAST CREDIT UNION — 3155 STATE ROAD 44 NEW SMYRNA BEACH FL 32168
FAIRWINDS CREDIT UNION — 2222 FLORIDA 44 NEW SMYRNA BEACH FL 32168
Why compare Mortgage Loans in New Smyrna Beach, FL on LendMesh
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