Mortgage Loans in Dayton, OH

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:

Clearview offers a 15-year fixed rate at 6.375% today, up 25 bp from last week and 50 bp from a month ago. The 30-year fixed rate is 7.125%, also up 25 bp from last week and 63 bp from a month ago. Rates have risen noticeably over the past month for both terms. 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.

State Department shows a 15-year conventional fixed rate today at 6.5%, up 25 bp from last week and 88 bp from a month ago. The 30-year conventional fixed rate is 7.125%, rising 38 bp over the past week and 88 bp since late August. The 15-year adjustable rate is 6.625%, up 63 bp from a week ago, while the 30-year jumbo fixed rate holds at 7.5%, unchanged from last week but up 88 bp since August.

Nasa offers a 15-year conventional fixed rate at 6.75%, up 38 bp from last week and 88 bp higher than a month ago. Their 30-year conventional fixed rate is 7.125%, rising 25 bp over the past week and 75 bp since the end of August. FHA 30-year fixed loans are at 7.125%, up 50 bp week-over-week and 88 bp over 30 days. VA 30-year fixed rates stand at 6.875%, increasing 38 bp in the last week and 88 bp in the past month. Jumbo 30-year fixed loans are 7.125%, up 25 bp this week and 63 bp month-to-month. 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.

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. 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.

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.

First Technology offers a 15-year conventional fixed rate at 7.0%, up 25 bp from last week and 88 bp higher than a month ago. Their 30-year conventional fixed rate is 7.875%, rising 50 bp over the past week and 100 bp since late August. Jumbo 30-year fixed loans stand at 7.625%, up 38 bp in seven days and 88 bp over 30 days. Adjustable 5- and 7-year fixed rates are both 6.75%, increasing 13 bp in the last week and 75 bp since August. Three Rivers offers a 15-year fixed rate at 5.75%, down 13 bp from a week ago. Their 30-year fixed rate is 5.875%, unchanged from last week but down 13 bp from a month ago. Both rates have eased slightly compared to earlier in February.