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Looking for the best mortgage loan offers in Ionia, MI for July 2024 through June 2025? Compare competitive rates from trusted local lenders to find the option that fits your budget and goals. Our friendly experts help simplify your home financing journey.
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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:
Advia offers a 15-year conventional fixed rate at 6.375%, up 13 bp from last week and 50 bp higher than a month ago. Their 30-year conventional fixed rate is 6.875%, also up 13 bp in the past week and 38 bp over 30 days. Adjustable 5-year and 7-year fixed rates are 6.125% and 6.25%, respectively, each up 13 bp from last week and 38 bp from a month ago. America First offers a 15-year conventional fixed rate at 6.25% today, up 13 bp from a week ago and 63 bp from a month ago. Their 30-year conventional fixed and 30-year conventional refinance rates are both 6.875% today, with a 30 bp increase over the past 30 days. FHA 30-year fixed loans are priced at 6.5%, and VA 30-year fixed loans are at 6.625%, each up 38 bp from a month ago.
Baxter offers a 15-year conventional fixed rate today at 6.25%, up 25 bp from last week and 63 bp from a month ago. Their 30-year conventional fixed rate is 6.875%, up 25 bp from last week and 50 bp from a month ago. The 30-year jumbo fixed rate is also 6.875%, up 63 bp from both last week and a month ago. For adjustable rates, the 5-year ARM is at 5.625%, up 25 bp from last week and 38 bp from a month ago. Lake Trust offers a 15-year conventional fixed rate at 6.375%, up 13 bp from last week and 50 bp higher than two weeks ago. Their 30-year conventional fixed rate is 6.875%, also up 13 bp from last week and 25 bp higher than a month ago. For adjustable rates, the 5-year ARM is at 6.125%, rising 13 bp in the past week and 25 bp over the month, while the 7-year ARM is 6.25%, up 13 bp from last week and 25 bp from a month ago.
State Department shows a 15-year conventional fixed rate today at 6.125%, down 13 bp from a week ago, and a 30-year conventional fixed rate at 6.75%. The 15-year adjustable rate mortgage is at 6.125%, up 13 bp from last week, while the 7-year adjustable is 6.5%, unchanged from seven days ago. The 10-year adjustable rate stands at 6.5%. The jumbo 30-year fixed rate is 7.5%, down 25 bp from a week ago. Zeal shows a 15-year conventional fixed rate today at 6.375%, up 13 bp from a week ago and 50 bp from 30 days ago. Their 30-year conventional fixed is 6.875%, up 13 bp in the last week and 38 bp over 30 days. The 5-year adjustable rate is 6.125%, rising 13 bp in a week and 38 bp in 30 days, while the 7-year adjustable is 6.25%, also up 13 bp this week and 38 bp in the past month.
Eastrise offers a 15-year conventional fixed rate at 6.63%, unchanged from a week ago but up 38 bp from a month ago. Their 30-year conventional fixed rate is 6.25%, down 50 bp from last week and 13 bp from a month ago. They also have 15-year and 30-year adjustable options at 6.125% and 6.875%, respectively. American Airlines offers a 15-year conventional fixed rate at 6.337% today, up 13 bp from a week ago. The 30-year conventional fixed rate is 6.837%, also up 25 bp over the same period. Their 5-year adjustable rate stands at 6.657%, rising 12 bp from last week.
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. 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.
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.