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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-11
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it often means mortgage rates face less upward pressure since short-term borrowing costs for banks remain stable.
Credit Union Loan Rates - Trends & Analysis:
America First shows a 15-year Conventional Fixed rate today at 6.125%, up 25 bp from last week and 38 bp from a month ago. The 30-year Conventional Fixed is 6.75%, also up 25 bp over the past week and month. FHA 30-year Fixed is 6.375%, rising 13 bp in the last week and 38 bp since a month ago. The VA 30-year Fixed rate is 6.5%, up 13 bp this week and 25 bp over 30 days. First Community offers a 30-year conventional fixed rate at 6.0% and a 15-year conventional fixed rate at 6.375% as of today. Their 5-year ARM stands at 5.5%. The 30-year fixed rate has held steady over the past week.
Dupaco Community offers a 15-year conventional fixed rate at 6.125% today, unchanged from a week ago but up 13 bp from 30 days prior. Their 30-year conventional fixed rate is 6.375%, down 13 bp from last week and steady over the past month. The 15-year and 30-year conventional refinance rates are 6.125% and 6.5%, respectively, with the 30-year refinance up 13 bp from 30 days ago. Citizens Equity First offers a 15-year conventional fixed rate at 6.25%, up 13 bp from last week, and a 30-year conventional fixed at 6.875%, also up 13 bp. Their 30-year jumbo fixed matches the conventional at 6.875%, with the same 13 bp increase. Adjustable rates include a 5-year ARM at 6.0%, a 7-year ARM at 6.125%, and a 10-year ARM at 6.25%, each up 13 bp from last week.
Alliant shows a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week and last month. The 30-year conventional fixed is 7.0%, also up 25 bp over the same periods. Adjustable 5-year and 7-year ARMs are at 6.0% and 6.125%, respectively, with smaller increases of 13 bp from last week and 25 bp from last month. The 10-year ARM is 6.375%, rising 13 bp from last week and 25 bp from last month. American Airlines offers a 15-year conventional fixed rate at 6.21% and a 30-year conventional fixed rate at 6.583%, both unchanged from a week ago but up 13 bp from a month ago. Their 5-year adjustable rate stands at 6.533%, up 20 bp from 30 days prior. Rates have held steady recently with slight increases over the past month.
Advia offers a 15-year conventional fixed rate at 6.25%, up 38 bp from last week, and a 30-year conventional fixed at 6.75%, up 13 bp. Their 5-year adjustable rate is 6.0%, also up 13 bp, and the 7-year adjustable is 6.125%, up 13 bp. Rates have generally ticked higher this week. Together offers a 15-year conventional fixed rate at 6.375%, up 25 bp from a week ago, and a 30-year conventional fixed at 6.875%, up 13 bp. Their jumbo 30-year fixed is also 6.875%, up 13 bp. Adjustable 5- and 7-year ARMs are both at 5.75%, up 25 bp from last week.
Digital shows a 15-year conventional fixed rate today at 6.375%, up 25 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.0%, rising 13 bp in the past week and 50 bp over the last month. The 15-year conventional fixed refinance rate holds steady at 6.25%, while the 30-year conventional fixed refinance rate is 7.0%, down 13 bp from last week but up 50 bp from 30 days ago. Polish & Slavic offers a 15-year fixed rate at 6.375%, up 13 bp from a week ago, and a 30-year fixed at 6.625%, also up 13 bp in the last week. Adjustable rates include 3-year and 5-year ARMs at 5.75%, a 7-year ARM at 6.0%, and a 10-year ARM at 6.875%.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 6.641%, higher than Freddie Mac's 6.710%. Zillow's 15-year rate is 6.393%, up from 7 days ago. These rates reflect current borrowing costs, which influence how many people decide to buy or refinance homes.