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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-15
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 can help keep mortgage rates stable since banks’ borrowing costs remain consistent.
Credit Union Loan Rates - Trends & Analysis:
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%, up 25 bp, and the 7-year ARM is steady at 6.88%. Rates have risen since mid-August across most products. Credit Human offers a 15-year fixed rate at 6.55% today, up 45 bp from last week and 58 bp from a month ago. Their 30-year fixed rate is 6.9%, rising 35 bp in the past week and 45 bp over 30 days. Rates have moved higher recently for both terms.
Pentagon offers a 30-year Conventional Fixed at 6.625%, up 38 bp from last week and 50 bp from a month ago. Their 30-year Conventional Refinance is 6.75%, also up 38 bp over seven days and 50 bp over 30 days. FHA and VA 30-year Fixed loans are both at 6.125%, each up 38 bp from last week, with FHA up 50 bp from a month ago and VA steady over 30 days. Jumbo 30-year Fixed is 6.625%, up 38 bp from last 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. Chartway offers a 30-year conventional fixed rate today at 6.75%, up 38 bp from last week and 63 bp from a month ago. The 15-year fixed and VA 30-year fixed rates are not listed for today.
First Technology offers a 15-year conventional fixed rate at 6.625% today, up 38 bp from last week and 50 bp over the past month. The 30-year conventional fixed rate is 7.375%, also up 38 bp from last week and 50 bp over 30 days. Jumbo 30-year fixed loans are at 7.25%, rising 38 bp in the last week and 50 bp in the last month. Adjustable 5- and 7-year fixed rates stand at 6.5%, increasing 25 bp from last week and 63 bp over the past month. The 10-year adjustable fixed rate is 7.125%, up 38 bp from last week and month.
Jsc shows a 15-year conventional fixed rate today at 6.625%, up 38 bp from last week and 25 bp higher than a month ago. The 30-year conventional fixed is 6.75%, rising 25 bp over the past week and 38 bp from 30 days back. The 30-year conventional refinance rate is 7.5%, up 38 bp in the last week and 63 bp over the month. FHA 30-year fixed is 6.49%, increasing 24 bp week-over-week and 50 bp month-over-month. VA 30-year fixed stands at 6.625%, up 25 bp this week and 50 bp since a month ago. Intouch offers a 5-year ARM fixed at 6.875% today, up 38 bp from both one and 30 days ago.
Educators offers a 30-year conventional fixed mortgage at 7.0% today. This rate is up 38 bp from last week and 50 bp higher than a month ago.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 6.909%, higher than Freddie Mac's 6.760%. Zillow's 30-year rate is also up from 6.530% seven days ago. The 15-year Zillow rate stands at 6.784%. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance existing loans.