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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%, the same as 7, 30, 60, and 90 days ago. The rate is lower than it was one year ago at 4.50%. When the Fed Funds rate is higher, mortgage rates often face upward pressure because lenders’ costs increase.
Credit Union Loan Rates - Trends & Analysis:
American Airlines offers a 15-year conventional fixed rate at 6.21% and a 30-year conventional fixed rate at 6.583%, both unchanged from a week ago but up 13 bp from a month ago. Their 5-year adjustable rate stands at 6.533%, up 20 bp from 30 days prior. Rates have held steady recently with slight increases over the past month. Firstmark offers 30-year Conventional Fixed and Jumbo Fixed loans at 6.25% today. Both rates have dropped 13 bp over the past 30 days. The 30-year Conventional Fixed rate has held steady over the past week.
Meriwest offers a 15-year fixed rate at 6.25% today, unchanged from the past weeks. Their 30-year fixed rate is 6.375%, up 13 bp from both one week and one month ago. America First shows a 15-year conventional fixed rate at 6.125%, up 25 bp from a week ago. Their 30-year conventional fixed is 6.75%, also up 25 bp in the last 7 days. FHA 30-year fixed is 6.375%, rising 13 bp this week. VA 30-year fixed stands at 6.5%, up 13 bp from last week. The 30-year conventional refinance rate is 6.875%, up 25 bp compared to seven days ago.
State Department shows a 15-year Conventional Fixed rate today at 6.0%, up 13 bp from last week. The 30-year Conventional Fixed rate is 6.625%, rising 25 bp in the past 7 days. The 15-year Adjustable FHA rate is 6.0%, increasing 13 bp over the week, while the 30-year Jumbo Fixed rate is 7.0%, up 38 bp from last week. Truity shows a 15-year fixed rate today at 6.25%, up 13 bp from a week ago. The 30-year fixed rate is 7.00%, also up 13 bp over the same period. Both rates have risen slightly since the end of August.
Texas Dow Employees offers a 15-year Conventional Fixed at 6.38%, up 13 bp from last week, and a 30-year Conventional Fixed at 6.88%, also up 13 bp. FHA and VA 30-year Fixed rates are both 6.5%, increasing by 12 bp over seven days. Adjustable 7-year and 10-year rates are 6.88% and 7.0%, with the 7-year up 13 bp in two weeks. A+ offers a 15-year conventional fixed rate today at 6.125%, up 13 bp from 15 days ago. The 30-year conventional fixed and jumbo fixed rates are both 6.625%, also up 13 bp over the same period. The 5-year adjustable rate is 6.125%, with a 13 bp increase. The 10-year adjustable rate stands at 6.375%, up 13 bp as well.
Chevron offers a 15-year conventional fixed rate at 6.375%, up 38 bp from last week, and a 30-year conventional fixed at 6.75%, up 13 bp. Their 15-year and 30-year jumbo fixed rates match the conventional fixed rates at 6.375% and 6.75%, respectively, with the same weekly increases. Adjustable rates include a 5-year ARM at 6.125%, up 13 bp. The 7-year ARM is at 6.25%, up 25 bp. First Technology offers a 15-year Conventional Fixed at 6.375%, unchanged from last week but up 13 bp from three weeks ago. Their 30-year Conventional Fixed is 7.125%, up 13 bp from both last week and three weeks ago. The 30-year Jumbo Fixed rate holds steady at 6.875%. Adjustable rates for 5- and 7-year terms are at 6.375%, rising 13 bp from last week and 50 bp from three weeks ago. The 10-year ARM is 6.75%.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.745%, higher than Freddie Mac’s 6.760%. Zillow’s 30-year rate is also higher than it was 7 days ago. The Zillow 15-year rate stands at 6.482%. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance existing loans.