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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-06
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 1, 7, 30, 60, and 90 days ago. The rate is lower than one year ago when it was 4.50%. When the Fed Funds rate is higher, it can increase mortgage rates by raising borrowing costs for lenders.
Credit Union Loan Rates - Trends & Analysis:
First Technology offers a 15-year conventional fixed rate at 6.375%, up 25 bp from a week ago. The 30-year conventional fixed rate is 7.0%, unchanged from last week but up 13 bp from 30 days ago. Their 30-year jumbo fixed rate is 6.875%, steady from a week ago but 25 bp higher than 30 days prior. The 5-year adjustable rate is 6.25%, up 38 bp from a week ago and 50 bp from 30 days ago. The 7-year adjustable rate is also 6.25%, up 38 bp from a week ago and 30 days ago. The 10-year adjustable rate stands at 6.75%, down 13 bp from 30 days ago. Orion offers a 15-year conventional fixed rate at 6.641% and a 30-year conventional fixed rate at 6.586%. The 30-year VA fixed rate is 6.726%, and the 30-year FHA fixed rate is 7.414%. Rates have stayed steady over the past week and month.
Market Indicators - Data & Insights:
Today, Zillow shows the 30-year mortgage rate at 6.531% and the 15-year at 6.250%. Freddie Mac reports the 30-year rate at 6.710%, which is higher than Zillow’s 30-year rate today. These rates reflect the current cost of borrowing for homebuyers, influencing how much people may be willing to pay for homes.