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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:
Pentagon shows 30-year Conventional Fixed rates today at 6.625% and 6.75% for the fixed and refinance options, respectively. FHA and VA 30-year Fixed loans are both at 6.125%. Jumbo 30-year Fixed loans are at 6.625%. Compared to 30 days ago, the refinance 30-year Conventional rate rose by 50 bp, while the others increased by 38 bp. Frankenmuth offers a 15-year fixed rate at 6.75%, unchanged from a week ago but up 50 bp from a month earlier. The 30-year fixed rate is 7.0%, steady over the past week and up 38 bp in the last 30 days.
Members First offers a 15-year conventional fixed rate at 6.75%, up 13 bp from last week and 50 bp higher than a month ago. Their 30-year conventional fixed rate is 7.125%, also up 13 bp from last week and 50 bp from a month ago. Digital offers a 15-year Conventional Fixed rate at 6.75%, up 13 bp from a week ago and 63 bp higher than a month ago. Their 30-year Conventional Fixed is 7.375%, unchanged from last week and 38 bp above the rate from 30 days ago. The 15-year Conventional ARM matches the fixed rate at 6.75%, with the same weekly and monthly increases. The 30-year Conventional ARM is 7.375%, steady over the past week and 25 bp higher than a month ago.
First Technology shows a 15-year conventional fixed rate today at 6.75%, up 38 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.375%, rising 25 bp in the past week and 50 bp over the month. Jumbo 30-year fixed loans stand at 7.25%, increasing 38 bp from last week and 50 bp from 30 days ago. Adjustable 5- and 7-year fixed rates are both 6.5%, up 13 bp this week and 63 bp since last month. The 10-year adjustable fixed rate is 7.125%, up 38 bp from last week. Intouch offers a 30-year fixed ARM at 6.875% today, up 38 bp from 30 days ago.
Directions shows a 30-year Conventional Fixed rate today at 7.375%, up 38 bp from both a week and a month ago. The 30-year Conventional Fixed refinance rate is also 7.375%, up 38 bp from a month ago. Rates have risen slightly over the past 30 days. Financial Plus shows a 15-year conventional fixed rate today at 7.125%, up 50 bp from last week and 75 bp from 30 days ago. Their 30-year conventional fixed is 7.25%, rising 38 bp over the past week and 50 bp since 30 days ago. The 30-year FHA fixed rate is 6.75%, also up 38 bp from last week and 50 bp from 30 days ago.
Everwise shows a 30-year conventional fixed rate today at 7.25%, up 38 bp from a week ago and 50 bp higher than 30 days ago. The rate has risen notably over the past month, reflecting recent market shifts.
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.