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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:
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 shows a 30-year Conventional Fixed rate today at 7.0%, up 25 bp from a week ago. The 15-year Conventional Fixed rate is 6.5%, up 38 bp from last week. VA 30-year Fixed loans are at 7.625%, up 38 bp. Adjustable rates for 5- and 7-year ARMs hold steady at 5.25% and 5.5%, respectively.
Certified shows a 15-year Conventional Fixed rate today at 5.5%, up 38 bp from two weeks ago. Their 30-year Conventional Fixed rate is 6.25%, also up 38 bp over the same period. The Jumbo 30-year Fixed rate is 6.25%, up 38 bp from a week ago. Consumers offer a 15-year conventional fixed rate at 5.5%. Their 30-year conventional fixed rate is 7.125%, up 25 bp from last week and 50 bp from 30 days ago. Jumbo 30-year fixed loans are at 7.125%, rising 13 bp over the past week and 25 bp in the last 30 days. The 5-year ARM is 6.375%, up 25 bp from a week ago.
Sandia Laboratory shows a 15-year conventional fixed rate at 6.25%, up 25 bp from last week. The 30-year conventional fixed rate is 6.75%, up 13 bp over the same period. For adjustable rates, the 5-year ARM is steady at 5.5%, and the 7-year ARM is 6.375%, both down 25 bp from a month ago. Northrop Grumman offers 3-year fixed at 5.5%, 5-year fixed at 5.625%, and 7-year fixed at 6.125%. Rates have held steady over the past week and month. San Francisco Fire offers a 15-year Conventional Fixed at 6.125%, up 25 bp from a week ago, and a 30-year Conventional Fixed at 6.75%, also up 25 bp. The Jumbo 30-year Fixed rate is 6.5%, rising 13 bp over seven days. Adjustable rates remain steady with a 5-year ARM at 5.625%, a 7-year ARM at 5.75%, and a 10-year ARM at 6.0%.
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%. 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.
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.