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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:
Coast Central offers a 30-year conventional fixed mortgage at 4.5% today, unchanged from last week and last month. Safe 1 offers a 15-year fixed mortgage at 5.5% and a 30-year fixed mortgage at 6.0%, both unchanged from recent weeks. These steady rates provide clear options for borrowers looking for fixed terms. Affinity Plus offers a 30-year Conventional fixed rate at 6.875% today, up 13 bp from last week. The 15-year Conventional fixed rate is 6.375%, up 25 bp. Jumbo 30-year fixed loans are also 6.875%, up 13 bp. VA 30-year fixed loans stand at 7.625%, up 38 bp. Adjustable-rate 5- and 7-year loans remain steady at 5.25% and 5.5%, respectively.
Los Angeles shows a 15-year conventional fixed rate at 6.125% and a 30-year conventional fixed rate at 6.5%, both unchanged from last week but up 13 bp from a month ago. The 30-year jumbo fixed rate is steady at 7.0%, down 25 bp from 30 days prior. FHA 3-year ARM is at 5.5%, down 50 bp from two weeks ago. The 5-, 7-, and 10-year ARMs range from 6.0% to 6.375%, each up 13 bp over the last month. Consumers offer a 15-year conventional fixed rate at 5.5% and a 30-year conventional fixed rate at 6.875%, up 13 bp from 30 days ago on the 30-year. Their 15-year fixed remains steady at 5.5%. American has a 5-year ARM at 6.125%, up 13 bp from 7 days ago. The 30-year conventional fixed rate is steady at 6.875%, and the 15-year fixed is steady at 5.5%.
Sandia Laboratory offers a 15-year conventional fixed rate at 6.0% today, up 25 bp from two weeks ago. The 30-year conventional fixed rate is 6.625%, rising 38 bp over the same period. Adjustable 5-year and 7-year fixed rates stand at 5.5% and 6.375%, respectively, both down 25 bp from a month ago. Northrop Grumman offers adjustable-rate mortgages at 3-year today 5.5%, 5-year today 5.625%, and 7-year today 6.125%. These rates have held steady over the past week and month.
Affinity offers a 15-year conventional fixed rate today at 5.625%, up 25 bp from a week ago. The 30-year conventional fixed rate is 6.25%, also up 25 bp over the last seven days. FHA fixed rates for 3-, 5-, and 7-year terms are 5.875%, 6.0%, and 6.25% respectively, each up 25 bp from a week ago.
Navy Federal Credit Union has a 15-year conventional fixed rate today at 5.625% and a 30-year conventional fixed rate at 6.25%. The 15-year conventional fixed rate is steady from a week ago but up 13 bp from a month ago. The 30-year conventional fixed rate also holds steady from last week but rose 13 bp over 30 days. The 15-year conventional refinance rate is 5.625%, unchanged from last week but up 25 bp from a month ago, while the 30-year conventional refinance rate is 6.25%, steady from last week but up 50 bp from 30 days ago. The 30-year VA fixed rate is 5.875%, up 13 bp from two weeks ago. The 30-year jumbo fixed rate is 6.5%, unchanged from last week but up 13 bp from a month ago. The 3-year ARM is at 5.375%, steady from last week but up 13 bp from 30 days ago, and the 5-year ARM is at 5.625%, also steady from last week but up 13 bp from a month ago.
San Francisco Fire offers a 15-year conventional fixed rate at 5.875%, unchanged from last week, and a 30-year conventional fixed at 6.5%, also steady. The jumbo 30-year fixed rate rose by 13 bp to 6.5%. Adjustable rates include a 5-year ARM at 5.625% and a 7-year ARM at 5.75%, both unchanged. The 10-year ARM is steady at 6.0%.
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.