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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:
Consumers offer a 15-year conventional fixed rate at 5.5% today. Their 30-year conventional fixed rate rose to 7.5%, up 38 bp from last week and 63 bp from a month ago. Jumbo loans from the same lender show a 30-year fixed rate at 7.625%, increasing 50 bp over the past week and 75 bp since a month ago. The 5-year ARM is at 6.625%, up 25 bp in the last week and 63 bp over 30 days. Northrop Grumman offers adjustable-rate mortgages at 3-year today 5.5%, 5-year today 5.625%, and 7-year today 6.125%. These rates have stayed steady over the past month.
Connexus offers a 15-year conventional fixed rate at 6.5%, up 38 bp from last week and 75 bp from a month ago. Their 30-year conventional fixed rate is 7.25%, also up 38 bp from last week and 75 bp from a month ago. 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 from previous periods. 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.
Together offers a 15-year conventional fixed rate today at 7.0%, up 38 bp from last week and 88 bp from a month ago. Their 30-year conventional fixed rate is 7.5%, also up 38 bp from last week and 75 bp from a month ago. Jumbo 30-year fixed loans match the conventional 30-year fixed at 7.5%, with the same weekly and monthly increases. Adjustable 5-year ARMs are at 5.75% today, unchanged from last week but up 25 bp from a month ago. Adjustable 7-year ARMs are also at 5.75%, up 25 bp from a month ago.
Baxter shows a 15-year Conventional Fixed rate today at 6.625%, up 38 bp from last week and 88 bp from a month ago. The 30-year Conventional Fixed rate is 7.25%, also up 38 bp in the past 7 days and 75 bp over 30 days. Their 15-year Adjustable Fixed is at 5.875%, rising 25 bp this week and 63 bp since late August. The 30-year Jumbo Fixed rate is 7.0%, increasing 13 bp in the last 7 days and 75 bp over 30 days. Affinity shows a 15-year conventional fixed rate today at 6.25%, up 38 bp from last week and 88 bp from a month ago. The 30-year conventional fixed rate is 6.875%, also up 38 bp from last week and 88 bp from a month ago. FHA 3-year ARM is at 6.5%, with the same weekly and monthly increases. The 5-year and 7-year ARMs are 6.625% and 6.875%, respectively, each rising by 38 bp over the past week and 88 bp over the past month.
Alliant offers a 15-year conventional fixed rate at 6.75%, up 63 bp from a week ago. Their 30-year conventional fixed rate is 7.5%, also up 50 bp in the same period. Adjustable rates include a 5-year ARM at 6.25%, a 7-year ARM at 6.375%, and a 10-year ARM at 6.625%, each up 25 bp from last week. American Airlines offers a 15-year conventional fixed rate today at 6.337%, up 13 bp from last week. The 30-year conventional fixed rate is 6.837%, rising 25 bp over the same period. Their 5-year adjustable rate stands at 6.657%, up 12 bp from seven days 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.
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.