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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:
Ventura County shows a 15-year conventional fixed rate today at 6.375%, up 38 bp from a week ago. The 30-year conventional fixed is 6.592%, down 3 bp over the same period. The 30-year VA fixed rate is 6.695%, up 7 bp from last week. The 5-year ARM is at 6.25%, up 50 bp from seven days ago, and the 7-year ARM is steady at 6.375%. Wescom Central offers a 15-year fixed conventional loan at 6.375%, up 13 bp from last week. Their 30-year fixed conventional rate is 6.99%, a 12 bp increase in the past 7 days. For adjustable rates, the 5-year ARM is at 5.99%, rising 12 bp this week, while the 7-year ARM is 6.25%, up 13 bp. The 10-year ARM stands at 6.625%, with a 13 bp increase over the last 7 days.
Digital shows a 15-year Conventional Fixed rate today at 6.375%, unchanged from last week but up 50 bp from a month ago. The 30-year Conventional Fixed rate is steady at 7.0%, with a 30 bp increase over the past month. For 15-year Conventional ARM, the rate is 6.5%, up 13 bp from last week and 63 bp from a month ago. The 30-year Conventional ARM rate rose to 7.375%, 38 bp higher than last week and 88 bp above the rate from a month ago.
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%. Pentagon shows a 30-year Conventional Fixed rate today at 6.5%, up 25 bp from a week ago. Their 30-year Conventional Refinance rate is 6.625%, rising 25 bp in seven days and 38 bp over 30 days. FHA 30-year Fixed is 6.0%, up 25 bp in a week and 38 bp in 30 days. VA 30-year Fixed stands at 6.125%, increasing 38 bp in seven days and 50 bp in 30 days. Jumbo 30-year Fixed is 6.375%, up 13 bp in the past week.
Kinecta offers a 30-year Conventional fixed mortgage at 6.5% today, up 13 bp from two weeks ago. Their 30-year Jumbo fixed rate is steady at 6.625%. Adjustable rates for 5- and 7-year ARMs are both at 5.625% today. Premier America offers a 15-year fixed rate today at 6.5%, up 38 bp from last week. Their 30-year fixed rate is 7.0%, also up 25 bp over the same period. Both rates have risen since early August. Safe offers a 30-year conventional fixed mortgage at 6.63% today. This rate is up 13 bp from last week and 38 bp higher than a month 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.