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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:
Eecu offers a 15-year fixed rate at 4.0% and a 30-year fixed rate at 4.5%, both unchanged from a week ago. The 15-year fixed also has a 15-year refinance option at 4.0%, and the 30-year refinance is at 4.5%. These rates have been steady since early September. 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 fixed rate at 5.5% today and a 30-year fixed rate at 6.375%, up 13 bp from a week ago. The 15-year fixed rate has held steady at 5.5%. First Community offers a 15-year Conventional Fixed loan at 5.875% and a 30-year Conventional Fixed loan at 6.75%, both up 38 bp from a week ago. The 30-year FHA Fixed and VA Fixed loans are at 6.375%, also up 38 bp from last week. The 30-year Jumbo Fixed loan is 6.875%, rising 38 bp over the same period.
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. This rate is up 13 bp from last week and 38 bp higher than 30 days ago.
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. 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 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.