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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%, 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:
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. Affinity offers a 15-year conventional fixed rate at 5.875%, up 25 bp from last week and 38 bp from a month ago. Their 30-year conventional fixed rate is 6.5%, also up 25 bp from last week and 38 bp from 30 days prior. For adjustable rates, the 3-year ARM is at 6.0%, rising 13 bp in the past week and 25 bp over 30 days. The 5-year ARM stands at 6.125%, with similar increases of 13 bp and 25 bp over the same periods. The 7-year ARM is 6.375%, up 13 bp week-over-week and 25 bp month-over-month.
Navy Federal Credit Union has a 15-year Conventional Fixed rate today at 6.0%, up 38 bp from a week ago. The 30-year Conventional Fixed rate is 6.625%, also up 38 bp over seven days and 50 bp higher than 30 days ago. The 30-year VA Fixed rate stands at 6.25%, increasing 38 bp in the past week. FHA 3-year ARM is at 5.625%, with a 25 bp rise in the last seven days. The 5-year ARM is 5.875%, up 25 bp this week. Community Resource offers a 15-year fixed rate today at 6.0%, up 12 bp from last week and 25 bp higher than 30 days ago. The 30-year fixed rate is 6.75%, also up 12 bp from last week and 12 bp higher than 30 days ago.
Chartway offers a 30-year conventional fixed mortgage at 6.75% today, up 26 bp from last week and 50 bp from a month ago. This rate has risen steadily over the past month, reflecting recent market shifts. Advancial offers a 15-year conventional fixed rate today at 6.125%, up 13 bp from a week ago and 50 bp higher than a month ago. Their 30-year conventional fixed rate is 6.75%, also up 13 bp from last week and 50 bp from 30 days prior. The 30-year jumbo fixed rate matches the conventional at 6.75%, rising 13 bp over seven days and 63 bp over 30 days.
Connexus offers a 15-year conventional fixed rate at 6.125%, unchanged from last week, and a 30-year conventional fixed at 6.875%, up 13 bp in the past week. Adjustable rates include a 3-year ARM at 4.99%, a 5-year ARM at 5.375%, and a 7-year ARM at 5.625%, all steady since 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.
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. 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.
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.