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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-14
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 less pressure for mortgage rates to rise or fall, as this rate influences short-term borrowing costs for banks.
Credit Union Loan Rates - Trends & Analysis:
Jsc shows a 15-year conventional fixed rate today at 6.375%, up 25 bp from last week. The 30-year conventional fixed rate is 6.75%, also up 25 bp. FHA 30-year fixed is 6.49%, rising 24 bp over seven days. VA 30-year fixed stands at 6.625%, up 25 bp this week. The 30-year conventional refinance rate is 7.5%, increasing 38 bp in the last seven days. Dupaco Community offers a 15-year conventional fixed rate at 6.38%, up 25 bp from last week, and a 30-year conventional fixed rate at 6.75%, up 38 bp from last week. The 15-year and 30-year conventional refinance rates match these fixed rates. Both 15-year and 30-year refinance rates have risen since a month ago by 50 bp.
Credit Human offers a 15-year conventional fixed rate today at 6.425%, up 33 bp from last week and 45 bp from 30 days ago. Their 30-year conventional fixed rate is 6.825%, rising 30 bp over the past week and 38 bp since 30 days ago. Rates have increased recently for both terms. Intouch offers a 5-year ARM at 6.5%, up 25 bp from 30 days ago. This is the only rate available today. Premier America offers a 15-year fixed rate today at 6.5%, up 38 bp from last week. Their 30-year fixed rate is 7.0%, also up 25 bp over the same period. Both rates have risen since early August.
Chartway offers a 30-year conventional fixed rate at 6.625% today, up 25 bp from a week ago and 50 bp higher than 30 days ago. The 15-year fixed conventional and 30-year fixed refinance rates are not quoted currently. Pentagon offers a 30-year Conventional fixed rate at 6.625% today, up 38 bp from last week and 50 bp from a month ago. Their 30-year Conventional refinance rate is 6.75%, rising 38 bp over seven days and 50 bp over 30 days. FHA and VA 30-year fixed rates are both at 6.125%, up 38 bp from last week, with FHA rising 50 bp over 30 days and VA steady over that period. Jumbo 30-year fixed is 6.625%, increasing 38 bp in the past week.
Together shows a 30-year Conventional Fixed rate today at 7.125%, up 25 bp from last week and 38 bp from a month ago. The 15-year Conventional Fixed rate is not listed for today. The Jumbo 30-year Fixed rate matches the Conventional at 7.125%, also up 25 bp from last week and 163 bp from a month ago. The Adjustable 5-year rate is not quoted for today. Digital offers a 15-year Conventional Fixed at 6.625% today, up 38 bp from last week and 88 bp from a month ago. The 30-year Conventional Fixed rate is 7.375%, also up 38 bp from last week and 100 bp from 30 days ago. Jumbo 30-year Fixed is 7.25%, rising 38 bp from last week. Rates have moved higher across these options in the past month.
Educators offers a 30-year conventional fixed mortgage at 6.875% today. This rate is up 25 bp from both one week and one month ago.
Market Indicators - Data & Insights:
Today, the Zillow 30-Year mortgage rate is 6.847%, and the Freddie Mac 30-Year rate is 6.760%, with Zillow higher than Freddie Mac. The Zillow 30-Year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.