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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-20
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%, higher than 7, 30, 60, and 90 days ago when it was 3.75%. When the Fed Funds rate rises, it can increase mortgage rates because lenders face higher borrowing costs.
Credit Union Loan Rates - Trends & Analysis:
State Department offers a 15-year Conventional Fixed at 6.125% today, up 25 bp from last week and 50 bp from 30 days ago. Their 30-year Conventional Fixed is 6.75%, rising 25 bp in the past week and 38 bp over 30 days. The 15-year Adjustable Fixed is 6.0%, up 13 bp in the last week and 13 bp over 30 days. The 7-year Adjustable Fixed stands at 6.375%, increasing 25 bp in the past week and month. The 10-year Adjustable Fixed is 6.5%, with a 25 bp rise over 30 days. The Jumbo 30-year Fixed is 7.5%, climbing 75 bp this week and month.
Ventura County shows a 15-year Conventional Fixed rate today at 6.375%, up 38 bp from last week. The 30-year Conventional Fixed rate is 6.592%, down 3 bp from seven days ago. The 30-year VA Fixed rate is 6.695%, up 7 bp in the past week. Adjustable 5-year ARM rates stand at 6.25%, rising 50 bp from last week, while the 7-year ARM is steady at 6.375%. Altaone offers a 15-year fixed rate at 6.32%, up 25 bp from a week ago, and a 30-year fixed at 6.997%, up 38 bp in the same period. Both rates have increased by 38 bp compared to 30 days ago. These are the current conventional fixed mortgage rates available today.
California Coast shows a 15-year fixed rate at 6.625%, up 13 bp from last week and 50 bp higher than a month ago. The 30-year fixed rate is 7.25%, also up 13 bp from last week and 50 bp from 30 days ago. The Jumbo 30-year fixed matches the conventional 30-year fixed at 7.25%, with the same weekly and monthly increases. Adjustable rates for 5- and 7-year terms hold steady at 5.5% and 6.0%, respectively. Lbs Financial offers a 15-year fixed rate today at 6.375%, up 38 bp from last week and 50 bp from 30 days ago. Their 30-year fixed rate is 6.625%, up 25 bp from both last week and 30 days ago.
Nasa offers a 15-year conventional fixed at 6.375%, up 38 bp from a week ago and 63 bp higher than a month ago. Their 30-year conventional fixed is 6.875%, also up 38 bp in the past week and 50 bp over 30 days. FHA 30-year fixed loans are at 6.625%, rising 25 bp in the last week and 50 bp in the last month. VA 30-year fixed stands at 6.5%, up 38 bp from last week and 63 bp from 30 days ago. Jumbo 30-year fixed loans are 6.875%, with a 25 bp increase in the past week and 50 bp over the month.
Altura shows a 15-year Conventional Fixed rate today at 6.375%, up 38 bp from a week ago. The 30-year Conventional Fixed rate is 6.99%, rising 24 bp in the last 7 days. FHA 30-year Fixed is at 7.125%, up 13 bp from last week. Jumbo 30-year Fixed stands at 7.0%, increasing 38 bp over seven days. The 5-year Adjustable rate is 6.625%, down 25 bp this week, while the 7-year Adjustable is steady at 6.75%. 1St United offers a 15-year conventional fixed rate at 6.5%, up 25 bp from last week, and a 30-year conventional fixed at 7.0%, also up 25 bp. Their jumbo 30-year fixed is 7.125%, up 25 bp. The 7-year adjustable rate is 6.375%, up 25 bp. Rates have increased slightly across these options compared to one week ago.
Hanscom offers a 15-year fixed at 6.5%, up 25 bp from last week, and a 30-year fixed at 7.125%, also up 25 bp. The 30-year VA fixed rate is 6.875%, rising 25 bp over seven days. Rates have increased since early September, with 30-day changes of 38 bp for all three programs. Dupaco Community offers a 15-year conventional fixed at 6.38%, up 25 bp from a week ago and 50 bp higher than 30 days back. Their 30-year conventional fixed is 6.75%, rising 38 bp over the past week and 38 bp since 30 days ago. The same rates apply for the 15- and 30-year conventional refinances with similar changes.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.855%, and Freddie Mac’s 30-year rate is 6.950%, with Zillow slightly lower than Freddie Mac. Zillow’s 30-year rate is higher than it was 7 days ago. These rates reflect the cost borrowers face for long-term home loans, which can influence how many people decide to buy or refinance homes.