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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-21
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%. This is higher than the rate 7 days ago, which was 3.75%. When the Fed Funds rate rises, it can put upward pressure on mortgage rates, making borrowing costs higher for homebuyers.
Credit Union Loan Rates - Trends & Analysis:
Eecu offers a 15-year fixed rate at 4.0% and a 30-year fixed rate at 4.5%, both unchanged from last week. The 15-year and 30-year fixed refinance rates match the purchase rates at 4.0% and 4.5%, respectively. Rates have been steady over the past month. 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%.
United offers a 30-year Jumbo fixed rate at 6.0% and a 3-year ARM at 5.5%, both unchanged over the past week and month. Delta Community offers a 15-year conventional rate today at 5.625%, up 13 bp from a week ago. Their 30-year conventional rate is 6.5%, which is 25 bp higher than last week. Both rates have risen since two weeks ago. First Community offers a 15-year conventional fixed at 5.875% and a 30-year conventional fixed at 6.75% today. The 15-year conventional fixed rate rose by 38 bp from last week, and the 30-year conventional fixed also increased by 38 bp. FHA and VA 30-year fixed rates are both at 6.375%, up 38 bp from seven days ago. Jumbo 30-year fixed loans are at 6.875%, up 38 bp from last week.
Randolph Brooks offers a 15-year Conventional Fixed at 6.0% and a 30-year Conventional Fixed at 7.0%, both up 25 bp from last week and last month. Their 30-year FHA Fixed is 6.625%, also up 25 bp over the same periods. The 15-year Adjustable Conventional is 5.75%, up 25 bp from seven and thirty days ago. Educators offers a 30-year conventional fixed mortgage at 7.0% today, up 13 bp from last week and 38 bp higher than 30 days ago. Navy Federal Credit Union offers a 15-year Conventional Fixed rate at 6.0% and a 30-year Conventional Fixed rate at 6.625% today. The VA 30-year Fixed rate is 6.25%, up 50 bp over the past 30 days. FHA loans include a 3-year ARM at 5.625% and a 5-year ARM at 5.875%, both up 25 bp from a week ago. Jumbo 30-year Fixed loans are at 6.875%, up 38 bp in the last week.
Rally offers a 15-year Conventional Fixed mortgage at 6.125% today, unchanged from a week ago but up 38 bp from 30 days ago. The 15-year Conventional Refinance Fixed rate matches this at 6.125%. The 30-year options are not quoted today. Intouch offers a 5-year ARM fixed at 6.875% today, up 38 bp from both one and 30 days ago.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 7.125%, and Freddie Mac's 30-year rate is 6.950%, with Zillow higher than Freddie Mac. Zillow's 30-year rate is also higher than 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.