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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:
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. Citizens Equity First offers a 15-year conventional fixed rate at 6.25%, up 13 bp from last week, and a 30-year conventional fixed at 6.875%, also up 13 bp. Their 30-year jumbo fixed matches the conventional at 6.875%, with the same 13 bp increase. Adjustable rates include a 5-year ARM at 6.0%, a 7-year ARM at 6.125%, and a 10-year ARM at 6.25%, each up 13 bp from last week.
Sierra Central offers a 30-year Conventional fixed rate at 6.125% today, up 13 bp from 30 days ago. The 30-year VA fixed rate is not quoted today but was 6.5% last week. The 5-year ARM was 5.875% two weeks ago. Alliant shows a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week and last month. The 30-year conventional fixed is 7.0%, also up 25 bp over the same periods. Adjustable 5-year and 7-year ARMs are at 6.0% and 6.125%, respectively, with smaller increases of 13 bp from last week and 25 bp from last month. The 10-year ARM is 6.375%, rising 13 bp from last week and 25 bp from last month.
Schoolsfirst offers a 15-year Conventional Fixed rate today at 5.875%, up 25 bp from a week ago. Their 30-year Conventional Fixed and FHA Fixed rates are both 6.625%, also up 25 bp from last week. The 15-year Conventional Refinanced loan is 5.875%, rising 13 bp in the past week, while the 30-year Conventional Refinanced loan is 6.625%, up 13 bp. The Jumbo 30-year Fixed rate matches the 30-year Conventional Fixed at 6.625%, up 25 bp from last week. 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.
California Coast shows a 15-year Conventional Fixed rate today at 6.5%, up 25 bp from last week. The 30-year Conventional Fixed rate is 7.125%, also up 25 bp over seven days. Jumbo 30-year Fixed matches the Conventional at 7.125%, with the same weekly increase. Adjustable 5-year and 7-year rates hold steady at 5.5% and 6.0%, respectively. 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.
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. Hanscom shows a 15-year conventional fixed rate today at 6.25%, up 13 bp from last week. The 30-year conventional fixed rate is 6.875%, also up 13 bp over the same period. The 30-year VA fixed rate stands at 6.625%, rising 13 bp since last week.
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.