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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:
Credit Union West has a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week. Their 30-year conventional fixed is 6.875%, also up 38 bp over the same period. The 30-year VA fixed rate is 6.25%, rising 26 bp since last week. Jumbo 30-year fixed loans are at 6.875%, up 38 bp, with a larger 88 bp increase over the past month. The 5-year adjustable rate is 6.5%, up 25 bp. Hughes shows a 15-year conventional fixed rate today at 6.5%, up 13 bp from a week ago and 25 bp from 30 days prior. Their 30-year conventional fixed rate is 6.99%, rising 12 bp over the last week and month. The 30-year FHA fixed rate is 6.375%, 13 bp higher than a week ago and 13 bp above 30 days ago. The 30-year VA fixed rate holds steady at 6.875% from last week but is up 13 bp from 30 days ago.
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.