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Looking to buy a home in Owenton, KY? Compare mortgage loan offers from trusted local lenders who understand your community and can help you find the best rates and terms for your budget.
Whether you’re a first-time buyer or refinancing, our personalized guidance makes navigating loans simple and stress-free. Discover options tailored to Owen County that bring your dream home within reach.
Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-23
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%, which is higher than 7 days ago at 3.75%. When the Fed Funds rate rises, it can put upward pressure on mortgage rates because lenders face higher borrowing costs.
Credit Union Loan Rates - Trends & Analysis:
Abound shows a 15-year conventional fixed rate today at 6.375%, up 13 bp from last week and 63 bp higher than a month ago. The 30-year conventional fixed rate is steady at 6.875%, rising 25 bp over 30 days. Their 30-year VA fixed is 6.625%, up 50 bp in the past month. Jumbo and adjustable 5- and 7-year fixed rates hold at 6.875%, with a 30-day increase of 38 bp.
Nasa offers a 15-year conventional fixed at 6.375%, up 38 bp from a week ago and 63 bp higher than a month ago. Their 30-year conventional fixed is 6.875%, also up 38 bp in the past week and 50 bp over 30 days. FHA 30-year fixed loans are at 6.625%, rising 25 bp in the last week and 50 bp in the last month. VA 30-year fixed stands at 6.5%, up 38 bp from last week and 63 bp from 30 days ago. Jumbo 30-year fixed loans are 6.875%, with a 25 bp increase in the past week and 50 bp over the month. L & N offers a 15-year fixed rate at 6.375%, up 13 bp from last week and 25 bp higher than 30 days ago. Their 30-year fixed rate is 6.875%, also up 13 bp from last week and 25 bp higher than a month ago. Rates have increased slightly over the past month for both terms.
Dupaco Community offers a 15-year conventional fixed rate at 6.5%, up 12 bp from a week ago and 50 bp higher than a month ago. Their 30-year conventional fixed rate is 6.75%, unchanged from last week but 38 bp higher than 30 days ago. The 15-year and 30-year conventional refinance rates match the purchase rates, with similar changes. Pentagon shows 30-year Conventional Fixed rates today at 6.625% and 6.75% for the fixed and refinance options, respectively. FHA and VA 30-year Fixed loans are both at 6.125%. Jumbo 30-year Fixed loans are at 6.625%. Compared to 30 days ago, the refinance 30-year Conventional rate rose by 50 bp, while the others increased by 38 bp.
Digital offers a 15-year Conventional Fixed rate at 6.75%, up 13 bp from a week ago and 63 bp higher than a month ago. Their 30-year Conventional Fixed is 7.375%, unchanged from last week and 38 bp above the rate from 30 days ago. The 15-year Conventional ARM matches the fixed rate at 6.75%, with the same weekly and monthly increases. The 30-year Conventional ARM is 7.375%, steady over the past week and 25 bp higher than a month ago.
First Technology 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%, rising 25 bp in the past week and 50 bp over the month. Jumbo 30-year fixed loans stand at 7.25%, increasing 38 bp from last week and 50 bp from 30 days ago. Adjustable 5- and 7-year fixed rates are both 6.5%, up 13 bp this week and 63 bp since last month. The 10-year adjustable fixed rate is 7.125%, up 38 bp from last week.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 7.021%, and Freddie Mac's 30-year rate is 6.950%, with Zillow higher than Freddie Mac. Zillow's 15-year rate stands at 6.911%, higher than 7 days ago. These rates reflect the current cost of borrowing for homebuyers, influencing how much people can afford and the demand for housing.