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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:
Citizens Equity First offers a 15-year conventional fixed at 6.5%, up 25 bp from last week, and a 30-year conventional fixed at 7.125%, also up 25 bp. Their adjustable-rate 5-year fixed stands at 6.0%, unchanged from a week ago. The 7-year and 10-year adjustable fixed rates are slightly higher at 6.125% and 6.25%, respectively, each up 13 bp over the past 30 days. Jumbo loans match the 30-year conventional fixed at 7.125%, up 25 bp from last week. Credit Union Of Southern California offers a 15-year Conventional Fixed at 6.5%, up 38 bp from last week and 50 bp from 30 days ago. Their 30-year Conventional Fixed is 7.125%, also up 38 bp from last week. The 5-year ARM is 6.125%, with a 25 bp increase over the past week. The 7-year ARM stands at 6.375%, up 25 bp from last week as well.
Schoolsfirst offers a 15-year conventional fixed rate at 5.875% and a 30-year conventional fixed rate at 6.625% today. Their 15-year conventional refinance rate is 6.0%, while the 30-year conventional refinance is 6.75%. The 30-year fixed FHA and Jumbo loans are also at 6.625%. The 30-year conventional fixed rate rose 13 bp over the past week and 25 bp over the past month. American Airlines offers a 15-year conventional fixed rate at 6.21% and a 30-year conventional fixed at 6.583%. Their 5-year adjustable rate is 6.533% today. Rates have been steady over the past month with no changes in basis points.
Meriwest offers both 15-year and 30-year conventional fixed loans today at 6.25%. The 30-year fixed rate dropped by 13 bp since last week, now at 6.25%. The 15-year fixed rate has stayed steady at 6.25%. America First shows a 15-year conventional fixed rate at 6.375%, up 25 bp from last week and 63 bp higher than a month ago. Their 30-year conventional fixed rate is 6.875%, unchanged from last week but up 38 bp from a month ago. FHA 30-year fixed is 6.5%, up 13 bp from last week and 50 bp from a month ago. VA 30-year fixed stands at 6.625%, up 13 bp this week and 50 bp over 30 days.
Baxter offers a 15-year conventional fixed rate today at 6.25%, up 25 bp from last week and 63 bp from a month ago. Their 30-year conventional fixed rate is 6.875%, up 25 bp from last week and 50 bp from a month ago. The 30-year jumbo fixed rate is also 6.875%, up 63 bp from both last week and a month ago. For adjustable rates, the 5-year ARM is at 5.625%, up 25 bp from last week and 38 bp from a month ago.
Chevron offers a 15-year conventional fixed rate at 6.5%, up 13 bp from last week and 63 bp from a month ago. Their 30-year conventional fixed rate is 6.875%, also up 13 bp weekly and 38 bp monthly. The 15-year adjustable fixed rate is 6.25%, rising 13 bp in the past week and 38 bp over 30 days. The 7-year adjustable fixed rate is 6.375%, up 13 bp weekly and 50 bp monthly. The 30-year jumbo fixed rate matches the conventional at 6.875%, with the same weekly and monthly increases. Community First offers a 15-year fixed conventional loan at 6.625% today, up 50 bp from a week ago and 50 bp from 30 days ago. Their 30-year fixed conventional rate is 6.875%, rising 13 bp over both the past week and month. The 15-year fixed conventional rate increased by 63 bp compared to two weeks ago.
Orange County'S shows a 15-year conventional fixed rate today at 6.25%, up 25 bp from last week and 38 bp from 30 days ago. The 30-year conventional fixed rate is 6.875%, also up 25 bp from last week and 38 bp from 30 days ago. Adjustable rates include a 5-year ARM at 5.875%, up 25 bp from last week, a 7-year ARM at 6.375%, up 25 bp, and a 10-year ARM at 6.5%, up 25 bp from last week and 25 bp from 30 days ago.
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.