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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-18
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:
Dupaco Community offers a 15-year conventional fixed rate at 6.38% today, up 25 bp from a week ago and 50 bp from 30 days ago. Their 30-year conventional fixed rate is 6.75%, rising 38 bp in the last week and 50 bp over the past month. The same rates apply for the 15- and 30-year conventional refinance options. 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.
Wescom Central has a 15-year conventional fixed rate today at 6.5%, up 13 bp from last week and 51 bp from 30 days ago. Their 30-year conventional fixed rate is 7.125%, also up 13 bp from last week and 50 bp from 30 days ago. Adjustable 5-year fixed rates stand at 6.125%, with a 13 bp increase over the past week and 38 bp over 30 days. The 7-year adjustable fixed rate is 6.375%, rising 13 bp in the last week and 38 bp in 30 days. The 10-year adjustable fixed rate is 6.75%, up 13 bp from last week and 50 bp from 30 days ago.
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. 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. 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 offers a 15-year conventional fixed rate today at 6.625%, up 25 bp from last week. Their 30-year conventional fixed rate is 7.375%, rising 38 bp over the same period. The 15-year conventional refinance rate is also 6.625%, up 38 bp, while the 30-year conventional refinance rate is 7.375%, 38 bp higher than last week. First Technology offers a 15-year conventional fixed rate at 6.875%, up 50 bp from last week, and a 30-year conventional fixed at 7.375%, up 38 bp. Their 30-year jumbo fixed rate is 7.25%, also up 38 bp. Adjustable 5- and 7-year ARMs are both at 6.5%, up 25 bp, while the 10-year ARM is 7.125%, up 38 bp.
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 6.961%, 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.