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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:
Sierra Central offers a 30-year Conventional Fixed at 6.5% today, up 38 bp from a week ago. The Jumbo 30-year Fixed rate is 7.375%, a 38 bp increase over the past 15 and 30 days. Pentagon offers a 30-year Conventional Fixed at 6.625% today, up 13 bp from last week and 38 bp from a month ago. Their 30-year Conventional Refinance Fixed is at 6.75%, also up 13 bp from last week and 50 bp from a month ago. The 30-year FHA Fixed rate is 6.125%, rising 13 bp since last week and 38 bp over the past month. The 30-year VA Fixed is steady today at 6.125%, with a 38 bp increase from a month ago. Jumbo 30-year Fixed loans are at 6.625%, up 25 bp from last week and 38 bp from a month ago.
Premier America shows a 15-year fixed rate today at 6.625%, up 50 bp from last week. The 30-year fixed rate is 7.125%, up 38 bp from seven days ago. Both rates have increased since early September. Together shows a 30-year Conventional Fixed rate today at 7.125%, up 25 bp from last week and 38 bp from a month ago. The 15-year Conventional Fixed rate is not listed for today. The Jumbo 30-year Fixed rate matches the Conventional at 7.125%, also up 25 bp from last week and 163 bp from a month ago. The Adjustable 5-year rate is not quoted for today.
Wescom Central offers a 15-year conventional fixed rate at 6.625%, up 25 bp from last week and 63 bp from a month ago. Their 30-year conventional fixed is 7.125%, rising 13 bp in the past week and 50 bp over 30 days. Adjustable 5-year and 7-year fixed rates are 6.125% and 6.375%, each up 13 bp this week. The 10-year fixed rate is 6.75%, also up 13 bp in seven days and 50 bp in 30 days. 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.
Digital shows a 15-year conventional fixed rate today at 6.75%, up 38 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.375%, up 38 bp from last week and 50 bp from 30 days ago. The 15-year conventional refinance rate is 6.625%, up 13 bp from last week and 50 bp from 30 days ago. The 30-year conventional refinance rate holds steady at 7.375%, up 38 bp from 30 days ago. Jumbo 30-year fixed is 7.25% today, up 50 bp from 30 days ago.
First Technology shows a 15-year conventional fixed rate today at 6.75%, up 38 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.375%, rising 25 bp in the past week and 50 bp over the month. Jumbo 30-year fixed loans stand at 7.25%, increasing 38 bp from last week and 50 bp from 30 days ago. Adjustable 5- and 7-year fixed rates are both 6.5%, up 13 bp this week and 63 bp since last month. The 10-year adjustable fixed rate is 7.125%, up 38 bp from last week. Kinecta offers a 30-year Conventional Fixed mortgage at 6.875% today, up 38 bp from a week ago and 63 bp from 30 days ago. They also have a 30-year Jumbo Fixed at 6.75%, which is 13 bp higher than last week. Additionally, their 5- and 7-year Adjustable Rate mortgages stand at 5.75% today.
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.