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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:
Eecu offers a 15-year conventional fixed rate at 4.0%, down 2.34 percentage points from last week. The 30-year conventional fixed rate is 4.5%. Both 15-year and 30-year conventional fixed rates have stayed steady compared to a month ago. Affinity Plus offers a 15-year Conventional Fixed at 6.5%, up 38 bp from a week ago, and a 30-year Conventional Fixed at 7.0%, up 25 bp. The 30-year VA Fixed is 7.625%, up 38 bp, and the 30-year Jumbo Fixed is 7.0%, up 25 bp. Adjustable-rate 5-year and 7-year loans hold steady at 5.25% and 5.5%, respectively.
United offers a 30-year Jumbo fixed mortgage at 6.0% and a 3-year ARM at 5.5%, both unchanged from last week and last month.
Navy Federal Credit Union has a 15-year conventional fixed rate today at 5.625% and a 30-year conventional fixed rate at 6.25%. The 15-year conventional fixed rate is steady from a week ago but up 13 bp from a month ago. The 30-year conventional fixed rate also holds steady from last week but rose 13 bp over 30 days. The 15-year conventional refinance rate is 5.625%, unchanged from last week but up 25 bp from a month ago, while the 30-year conventional refinance rate is 6.25%, steady from last week but up 50 bp from 30 days ago. The 30-year VA fixed rate is 5.875%, up 13 bp from two weeks ago. The 30-year jumbo fixed rate is 6.5%, unchanged from last week but up 13 bp from a month ago. The 3-year ARM is at 5.375%, steady from last week but up 13 bp from 30 days ago, and the 5-year ARM is at 5.625%, also steady from last week but up 13 bp from a month ago.
First Community offers a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 6.375%. Their 15-year Conventional Refi rate is 5.875%, up 38 bp from a week ago, and the 30-year Conventional Refi is 6.75%, also up 38 bp. The 30-year FHA and VA Fixed rates are both 5.99%, while the 30-year Jumbo Fixed is 6.5%. 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. Randolph Brooks offers a 15-year conventional fixed rate at 5.75% and a 30-year conventional fixed rate at 6.75%, both unchanged from last week. Their 15-year conventional refinance rate rose by 25 bp to 6.0%, and the 30-year conventional refinance rate also increased by 25 bp to 7.0%. The 30-year FHA and VA fixed rates remain steady at 6.375%, while the 5-year ARM is at 5.5%.
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. America First shows a 15-year Conventional Fixed rate today at 6.25%, up 38 bp from a week ago and 50 bp from a month ago. The 30-year Conventional Fixed rate is 6.875%, rising 25 bp in the last week and 38 bp over 30 days. FHA 30-year Fixed is at 6.5%, up 25 bp from last week and 50 bp from a month ago. VA 30-year Fixed stands at 6.625%, increasing 25 bp in seven days and 50 bp in 30 days.
Texas Dow Employees offers a 15-year Conventional Fixed at 6.5% and a 30-year Conventional Fixed at 7.0%, both up 25 bp from last week. Their 30-year FHA Fixed is 6.63%, rising 25 bp in seven days. The 7-year ARM stays steady at 6.88%.
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.