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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:
Affinity Plus offers a 15-year Conventional Fixed rate at 6.5% today, up 13 bp from a week ago and 38 bp over the past 30 days. The 30-year Conventional Fixed and Jumbo Fixed rates are both 7.0%, each up 13 bp from last week and 25 bp over 30 days. The VA 30-year Fixed rate is 7.625%, unchanged from a week ago but up 38 bp over 30 days. Adjustable-rate 5-year and 7-year ARMs hold steady at 5.25% and 5.5%. Consumers offers a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 7.125%, with the 30-year rate up 38 bp from 30 days ago. American has a 5-year ARM at 6.375%, which rose 38 bp over the past month. Jumbo loans include a 30-year Fixed at 7.125%, up 25 bp in 30 days.
Northrop Grumman offers 3-year fixed at 5.5%, 5-year fixed at 5.625%, and 7-year fixed at 6.125%, all steady from recent weeks. The 5-year fixed is today 5.625%. Honor offers a 15-year conventional fixed rate at 6.5%, up 50 bp from last week, and a 30-year conventional fixed rate at 5.75%, down 75 bp from last week. Their 30-year FHA fixed rate is 6.75%, up 38 bp from last week. Rates have shifted notably over the past week, with the 30-year conventional fixed rate seeing the largest drop.
Affinity shows a 15-year conventional fixed rate today at 5.875%, up 25 bp from last week and 38 bp from 30 days ago. Their 30-year conventional fixed is 6.5%, also up 25 bp from last week and 38 bp from 30 days ago. FHA fixed rates for 3-year, 5-year, and 7-year terms are 6.125%, 6.25%, and 6.5%, each rising 25 bp over the past week and 38 bp over the past month.
Navy Federal Credit Union offers a 15-year Conventional fixed rate at 6.0% and a 30-year Conventional fixed rate at 6.625%, both unchanged from last week. Their 15-year Conventional refinance rate is 6.0%, up 38 bp from a week ago, while the 30-year Conventional refinance rate is 6.625%, also up 38 bp. The 30-year VA fixed rate is 6.25%, unchanged from a week ago but up 50 bp from a month ago. The 30-year Jumbo fixed rate is 6.875%, steady over the past week. The 3-year ARM Conventional rate is 5.625%, up 25 bp from last week, and the 5-year ARM Conventional rate is 5.875%, also up 25 bp.
Wings Financial offers 15-year and 30-year Conventional Fixed loans today at 6.25% and 6.875%, respectively. The 15-year rate rose 63 bp from three weeks ago, while the 30-year rate increased 38 bp over the same period. For Adjustable-Rate Mortgages, 5-year ARMs are at 6.0%, up 63 bp from three weeks ago, and 7-year ARMs are at 6.0%, up 38 bp. The 10-year ARM stands at 6.125%, up 25 bp from a month ago. Jumbo 30-year Fixed loans are also 6.875%, up 38 bp from three weeks ago.
Michigan State University shows a 15-year Conventional Fixed rate today at 6.25%, up 13 bp from last week and 25 bp from a month ago. The 30-year Conventional Fixed rate is 6.99%, rising 24 bp in the past week and 49 bp over 30 days. Jumbo 30-year Fixed loans match the 30-year Conventional at 6.99%, up 24 bp from last week and 37 bp from a month ago. The 15-year Adjustable Fixed rate is also 6.25%, with the same weekly and monthly increases as the 15-year Conventional. Alliant offers a 15-year fixed conventional loan at 6.125% and a 30-year fixed conventional loan at 7.0% today. They also have adjustable-rate options for 5, 7, and 10 years fixed at 6.0%, 6.125%, and 6.375%, respectively. Rates have stayed steady over the past weeks.
Elga offers a 15-year Conventional Fixed at 6.5%, up 13 bp from last week and 25 bp from a month ago. Their 30-year Conventional Fixed holds steady at 7.125% since last week but is up 25 bp from a month ago. FHA and VA 30-year Fixed rates are also at 7.125%, with FHA up 50 bp from a month ago. Adjustable rates for 3-, 5-, and 7-year terms range from 6.125% to 6.375%, each down 13 bp from last week and the prior month.
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.