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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:
Together offers a 30-year Conventional Fixed at 6.25%, up 50 bp from a week ago. The 5-year ARM is 5.75%, up 25 bp over seven days. The Jumbo 30-year Fixed is 7.0%, up 13 bp in the past week and 25 bp over 30 days. Nuvision offers a 15-year conventional fixed rate at 5.75%, up 13 bp from last week, and a 30-year conventional fixed at 6.5%, also up 13 bp. Their 30-year FHA fixed is 6.125%, rising 13 bp, while the 30-year VA fixed is 6.25%, up 13 bp. For adjustable rates, the 5-year ARM is 5.5%, increasing 13 bp.
Skyla offers a 15-year conventional fixed rate at 5.99% today, up 24 bp from a week ago. Their 30-year conventional fixed rate is 6.45%, a 10 bp increase over the past week. The 7-year adjustable rate is 5.85%, also up 10 bp from last week. First Entertainment offers a 15-year Conventional Fixed rate at 6.25%, up 13 bp from a week ago and 25 bp higher than a month ago. Their 30-year Conventional Fixed and Jumbo Fixed rates hold steady at 6.625%, with a 30-day increase of 13 bp. FHA 3-year and 5-year ARMs are at 6.0% and 6.125%, respectively, with a 30-day rise of 13 bp. The 7-year ARM stays at 5.875%. The 10-year ARM is 6.5%, up 13 bp over 30 days.
The Golden 1 offers a 15-year Conventional fixed rate today at 5.875%, up 25 bp from last week, and a 30-year Conventional fixed at 6.625%, also up 25 bp. Their 30-year Conventional refinance rate is 7.0%, up 25 bp. FHA 30-year fixed is 6.49%, up 12 bp. Jumbo 30-year fixed is 6.375%, up 13 bp. Adjustable rates include 5-year and 7-year ARMs at 5.75%, each up 13 bp. The 10-year ARM is 6.0%, up 13 bp. Credit Union Of Southern California offers a 15-year conventional fixed rate today at 6.125%, up 13 bp from a week ago. The 30-year conventional fixed rate is 6.75%, also up 13 bp over the last week. Jumbo 30-year fixed loans match the conventional 30-year fixed at 6.75%, with the same 13 bp weekly increase. Adjustable 5-year and 7-year ARM rates hold steady at 5.875% and 6.125%, respectively.
Patelco offers a 15-year conventional fixed rate at 6.125% and a 30-year conventional fixed at 6.625%, both unchanged from a week ago. Their 15-year conventional refinance is 6.375%, up 13 bp from last week, while the 30-year conventional refinance is 6.875%, up 13 bp. Adjustable-rate 5- and 7-year ARMs are steady today at 5.625%. The 10-year ARM is 6.0%, up 13 bp from seven days ago. The jumbo 30-year fixed rate is steady at 6.875%. Altura offers a 15-year Conventional Fixed at 5.99%, up 24 bp from a week ago, and a 30-year Conventional Fixed at 6.75%, up 13 bp from last week and 25 bp from 30 days ago. The 30-year FHA Fixed is steady at 7.0%. Jumbo 30-year Fixed is 6.625%, up 13 bp from last week. Adjustable 5-year and 7-year terms are at 6.875% and 6.75%, rising 63 bp and 50 bp respectively from a week ago.
Nasa offers a 15-year conventional fixed rate at 6.0%, unchanged from last week but up 25 bp from a month ago. The 30-year conventional fixed rate is 6.5%, steady over the past week and 13 bp higher than 30 days ago. FHA 30-year fixed loans are at 6.375%, the same as last week but up 25 bp from a month ago. VA 30-year fixed loans stand at 6.125%, up 13 bp from a month ago. Jumbo 30-year fixed loans are at 6.625%, unchanged this week but 25 bp higher than 30 days ago. Baxter offers a 15-year Conventional Fixed at 6.0%, up 13 bp from last week and 25 bp from 30 days ago. Their 30-year Conventional Fixed is steady at 6.625%, unchanged from last week but up 13 bp from 30 days ago. The 15-year Adjustable Fixed is 5.375%, up 13 bp from 30 days ago. The Jumbo 30-year Fixed remains steady at 6.25%.
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.