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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-20
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%, higher than 7, 30, 60, and 90 days ago when it was 3.75%. When the Fed Funds rate rises, it can increase mortgage rates because lenders face higher borrowing costs.
Credit Union Loan Rates - Trends & Analysis:
American Airlines offers a 15-year conventional fixed rate at 6.21% and a 30-year conventional fixed at 6.583%. Their 5-year adjustable rate is 6.533% today. Rates have been steady over the past month with no changes in basis points. Zeal shows a 15-year conventional fixed rate today at 6.25%, up 38 bp from a week ago. The 30-year conventional fixed rate is 6.75%, rising 13 bp in the last week and 25 bp over the month. Adjustable 5-year and 7-year rates are 6.0% and 6.125%, each up 13 bp from last week and 25 bp from 30 days ago.
Advia shows a 15-year conventional fixed rate today at 6.375%, up 13 bp from last week and 50 bp higher than two weeks ago. The 30-year conventional fixed rate is 6.875%, rising 13 bp from last week and 25 bp from a month ago. Adjustable rates include a 5-year ARM at 6.125%, up 13 bp from last week and 25 bp from a month ago, and a 7-year ARM at 6.25%, also up 13 bp from last week and 25 bp from a month ago. America First shows a 15-year conventional fixed rate at 6.375%, up 25 bp from last week and 63 bp higher than a month ago. Their 30-year conventional fixed rate is 6.875%, unchanged from last week but up 38 bp from a month ago. FHA 30-year fixed is 6.5%, up 13 bp from last week and 50 bp from a month ago. VA 30-year fixed stands at 6.625%, up 13 bp this week and 50 bp over 30 days.
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 6.25% and a 30-year conventional fixed rate at 6.75%, both unchanged from last week. The 15-year adjustable rate is at 6.0%, up 13 bp from a month ago, while the 7-year adjustable rate is 6.125%, also up 13 bp over the same period. These rates reflect the current market conditions as of September 18, 2026.
State Department offers a 15-year Conventional Fixed at 6.125% today, up 25 bp from last week and 50 bp from 30 days ago. Their 30-year Conventional Fixed is 6.75%, rising 25 bp in the past week and 38 bp over 30 days. The 15-year Adjustable Fixed is 6.0%, up 13 bp in the last week and 13 bp over 30 days. The 7-year Adjustable Fixed stands at 6.375%, increasing 25 bp in the past week and month. The 10-year Adjustable Fixed is 6.5%, with a 25 bp rise over 30 days. The Jumbo 30-year Fixed is 7.5%, climbing 75 bp this week and month.
Elga offers a 15-year Conventional Fixed at 6.5%, up 13 bp from last week and 25 bp from 30 days ago. Their 30-year Conventional Fixed and FHA Fixed loans are both at 7.125%, steady from last week. The 30-year VA Fixed is also 7.125%, up 50 bp from 30 days ago. Adjustable rates for 3-, 5-, and 7-year terms remain steady between 6.25% and 6.5%. 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 at 6.38%, up 25 bp from a week ago and 50 bp higher than 30 days back. Their 30-year conventional fixed is 6.75%, rising 38 bp over the past week and 38 bp since 30 days ago. The same rates apply for the 15- and 30-year conventional refinances with similar changes.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.855%, and Freddie Mac’s 30-year rate is 6.950%, with Zillow slightly lower than Freddie Mac. Zillow’s 30-year rate is higher than it was 7 days ago. These rates reflect the cost borrowers face for long-term home loans, which can influence how many people decide to buy or refinance homes.