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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-11
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, the same as 7, 30, 60, and 90 days ago. The rate is lower than it was one year ago at 4.50%. When the Fed Funds rate is higher, mortgage rates often face upward pressure because lenders’ costs increase.
Credit Union Loan Rates - Trends & Analysis:
Avadian shows a 15-year conventional fixed rate today at 6.0%, up 13 bp from a week ago. The 30-year conventional fixed rate is 6.625%, also up 13 bp from last week. FHA 30-year fixed is at 6.125%, rising 25 bp in the past week. The VA 30-year fixed rate stands at 6.25%, up 38 bp from seven days ago. Baxter offers a 15-year Conventional Fixed at 6.0%, up 13 bp from last week and 25 bp from 30 days ago. Their 30-year Conventional Fixed is steady at 6.625%, unchanged from last week but up 13 bp from 30 days ago. The 15-year Adjustable Fixed is 5.375%, up 13 bp from 30 days ago. The Jumbo 30-year Fixed remains steady at 6.25%.
America First shows a 15-year conventional fixed rate at 6.125%, up 25 bp from a week ago. Their 30-year conventional fixed is 6.75%, also up 25 bp in the last 7 days. FHA 30-year fixed is 6.375%, rising 13 bp this week. VA 30-year fixed stands at 6.5%, up 13 bp from last week. The 30-year conventional refinance rate is 6.875%, up 25 bp compared to seven days ago. Connexus offers a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week and 50 bp from a month ago. The 30-year conventional fixed rate is 6.75%, rising 25 bp in the past week and 38 bp over 30 days. Adjustable rates include a 3-year ARM at 4.99%, a 5-year ARM at 5.375%, and a 7-year ARM at 5.625%, all unchanged recently.
Dupaco Community offers a 15-year conventional fixed rate at 6.125% today, unchanged from a week ago but up 13 bp from 30 days prior. Their 30-year conventional fixed rate is 6.375%, down 13 bp from last week and steady over the past month. The 15-year and 30-year conventional refinance rates are 6.125% and 6.5%, respectively, with the 30-year refinance up 13 bp from 30 days ago. State Department shows a 15-year Conventional Fixed rate today at 6.0%, up 13 bp from last week. The 30-year Conventional Fixed rate is 6.625%, rising 25 bp in the past 7 days. The 15-year Adjustable FHA rate is 6.0%, increasing 13 bp over the week, while the 30-year Jumbo Fixed rate is 7.0%, up 38 bp from last week.
Alliant shows a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week and last month. The 30-year conventional fixed is 7.0%, also up 25 bp over the same periods. Adjustable 5-year and 7-year ARMs are at 6.0% and 6.125%, respectively, with smaller increases of 13 bp from last week and 25 bp from last month. The 10-year ARM is 6.375%, rising 13 bp from last week and 25 bp from last month. American Airlines offers a 15-year conventional fixed rate at 6.21% and a 30-year conventional fixed rate at 6.583%, both unchanged from a week ago but up 13 bp from a month ago. Their 5-year adjustable rate stands at 6.533%, up 20 bp from 30 days prior. Rates have held steady recently with slight increases over the past month.
Gulf Winds offers a 15-year fixed rate at 6.5% and a 30-year fixed rate at 6.875%, both unchanged from recent weeks. Their adjustable rates include 3-year at 6.28%, 5-year at 6.39%, 7-year at 6.49%, and 10-year at 6.58%, all steady as well. Guardian offers a 15-year conventional fixed rate at 6.375% and a 30-year conventional fixed rate at 6.75%, both unchanged from a week ago. Their 3-year ARM is at 6.125%, up 13 bp from last week.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.745%, higher than Freddie Mac’s 6.760%. Zillow’s 30-year rate is also higher than it was 7 days ago. The Zillow 15-year rate stands at 6.482%. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance existing loans.