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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-17
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%, higher than 1, 7, 30, 60, and 90 days ago when it was 3.75%. When the Fed Funds rate rises, mortgage rates often face upward pressure because lenders’ borrowing costs increase.
Credit Union Loan Rates - Trends & Analysis:
Pentagon offers a 30-year Conventional fixed rate at 6.625% today, up 13 bp from last week and 38 bp higher than a month ago. The 30-year Conventional rate with refinancing is 6.75%, also up 13 bp over seven days and 38 bp over 30 days. FHA and VA 30-year fixed loans are both at 6.125%, with FHA up 13 bp this week and 38 bp over the month, while VA is steady week-to-week but up 38 bp monthly. Jumbo 30-year fixed loans stand at 6.625%, rising 25 bp in the past week and 38 bp since 30 days ago. First City offers a 15-year conventional fixed rate at 6.125% and a 30-year conventional fixed rate at 6.75% today. Their 15-year conventional refinance rate is higher at 7.75%. Adjustable rates include a 5-year ARM at 5.25%, a 7-year ARM at 5.5%, and a 10-year ARM at 5.75%.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 6.961%, higher than Freddie Mac's 6.760%. Zillow's 15-year rate is 6.665%. These rates reflect the current cost of borrowing for homebuyers, influencing how much people can afford to borrow and affecting housing demand.