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Today’s Mortgage Rates & Analysis - Updated on 2026-OCT-01
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%, higher than 30, 60, 90, and 180 days ago when it was 3.75%. The Fed Funds rate influences mortgage rates because it affects the cost banks pay to borrow money, which can impact the interest rates lenders offer to homebuyers.
Credit Union Loan Rates - Trends & Analysis:
Affinity Plus offers a 30-year Conventional fixed rate today at 7.375%, up 38 bp from last week and 63 bp from a month ago. The 15-year Conventional fixed rate is 6.875%, also up 38 bp from last week and 75 bp from a month ago. For Adjustable-rate mortgages, the 5-year ARM is at 5.625%, up 38 bp from last week and the 7-year ARM is 5.875%, also up 38 bp. The 30-year VA fixed rate stands at 8.0%, up 38 bp from last week and 75 bp from a month ago.
Navy Federal Credit Union offers a 15-year Conventional fixed rate at 6.375% and a 30-year Conventional fixed rate at 7.0%. The 15-year Conventional refinance rate is 6.125%, while the 30-year Conventional refinance rate is 6.625%. The 30-year VA fixed rate is 6.625%, and the 30-year Jumbo fixed rate is 7.25%. The 15-year Conventional fixed rate rose by 38 bp in the past week, and the 30-year Conventional fixed rate increased by 38 bp over the same period.
America First shows a 15-year conventional fixed rate today at 6.625%, up 13 bp from last week and 75 bp from a month ago. The 30-year conventional fixed rate is 7.25%, also up 13 bp from last week and 63 bp from a month ago. FHA 30-year fixed is at 7.0%, rising 38 bp from last week and 75 bp from a month ago. VA 30-year fixed stands at 7.0%, with a 13 bp increase from last week and 63 bp from a month ago. Dupaco Community offers a 15-year conventional fixed rate at 6.75% and a 30-year conventional fixed rate at 7.13% today. The 15-year fixed rate rose 12 bp over the past week, while the 30-year fixed rate increased 25 bp in the same period. Compared to a month ago, both rates are up 75 bp.
Directions offers a 30-year conventional fixed mortgage at 7.375% today. This rate is unchanged from a week ago but up 38 bp from 30 days prior. Their 30-year conventional refinance fixed rate is also 7.375%, steady from last week and up 38 bp from a month ago. Pentagon shows a 30-year Conventional Fixed rate today at 7.0%, up 38 bp from last week and 75 bp higher than a month ago. FHA 30-year Fixed is at 6.5%, also up 38 bp week-over-week and 75 bp month-over-month. VA 30-year Fixed stands at 6.625%, rising 50 bp in the past week and 88 bp over 30 days. Jumbo 30-year Fixed is 6.875%, increasing 25 bp from last week and 63 bp from a month ago.
Digital shows a 15-year Conventional Fixed rate today at 7.0%, up 25 bp from last week and 88 bp from a month ago. The 30-year Conventional Fixed rate is 7.875%, rising 50 bp over seven days and 100 bp over 30 days. The 15-year Conventional ARM is also 7.0%, with a 25 bp increase in the past week and 75 bp over the month. The 30-year Conventional ARM stands at 7.875%, up 50 bp in the last week and 75 bp since a month ago. Jumbo 30-year Fixed is at 7.625%, with a 38 bp rise over 15 days.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 7.332%, while Freddie Mac's 30-year rate is 7.030%, with Zillow higher than Freddie Mac. Zillow's 15-year rate is 7.116%, higher than 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.