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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:
Affinity offers a 15-year conventional fixed rate at 5.875% today, up 50 bp from last week. Their 30-year conventional fixed rate is 6.5%, also up 50 bp over the past week. For adjustable rates, the 3-year ARM is at 6.125%, the 5-year ARM at 6.25%, and the 7-year ARM at 6.5%, each up 50 bp from last week. Nuvision offers a 15-year Conventional Fixed at 5.875% today, up 25 bp from last week and 50 bp from a month ago. Their 30-year Conventional Fixed is 6.625%, rising 25 bp over seven days and 38 bp over 30 days. The 30-year FHA Fixed is 6.375%, increasing 38 bp in the past week and 63 bp since a month ago. Adjustable-rate 5- and 7-year terms are at 5.25% and 5.5%, respectively, each down 13 bp from last week.
First Entertainment offers a 15-year conventional fixed rate at 6.5%, up 25 bp from a week ago, and a 30-year conventional fixed at 6.875%, also up 25 bp. The 15-year conventional refinance matches the purchase rate at 6.5%, while the 30-year conventional refinance is 6.875%. FHA 3-year ARM is at 6.25%, up 25 bp, and FHA 5-year ARM is 6.375%, also up 25 bp. Jumbo 30-year fixed is 6.875%, up 25 bp. Pacific Service offers a 15-year conventional fixed rate at 5.875% today, up 13 bp from last week and 38 bp from a month ago. Their 30-year conventional fixed rate is 6.625%, rising 25 bp over the past week and 38 bp over 30 days. The 30-year FHA fixed rate stays steady at 6.0%. Jumbo 30-year fixed loans are at 6.375%, up 25 bp from last week. The 5-year ARM is steady at 5.75%.
Los Angeles shows a 15-year Conventional Fixed rate today at 6.625%, up 50 bp from last week. The 30-year Conventional Fixed rate is 7.0%, also up 50 bp over the same period. Jumbo 30-year Fixed loans are at 7.5%, rising 50 bp in the past week. FHA 3-year ARM rates stand at 5.875%, increasing 38 bp since last week. The 5-, 7-, and 10-year ARM rates range from 6.375% to 6.75%, each up 38 bp in the last seven days. Lbs Financial offers a 15-year fixed rate at 6.0%, unchanged from last week but up 25 bp from a month ago. Their 30-year fixed rate is steady at 6.375%. Both rates have held steady over the past week, with the 15-year fixed showing a slight increase over the last 30 days.
Navy Federal Credit Union offers a 15-year conventional fixed rate today at 6.0%, up 38 bp from a week ago. The 30-year conventional fixed rate is 6.625%, also up 38 bp over the last seven days and 50 bp higher than 30 days ago. The 30-year VA fixed rate stands at 6.25%, rising 38 bp in the past week. For FHA loans, the 3-year ARM is 5.625%, up 25 bp from last week, and the 5-year ARM is 5.875%, also up 25 bp. The 30-year jumbo fixed rate is 6.875%, increasing 38 bp over the week.
The Golden 1 offers a 15-year conventional fixed at 6.0% today, up 38 bp from last week, and a 30-year conventional fixed at 6.75%, also up 38 bp. Their 30-year conventional refinance is 7.0%, up 25 bp. FHA 30-year fixed is 6.49%, up 12 bp. Jumbo 30-year fixed is 6.375%. Adjustable-rate 5- and 7-year terms are both 5.75%, with the 5-year down 13 bp and the 7-year down 25 bp from last week. The 10-year adjustable is 6.0%, down 13 bp. Patelco offers a 15-year Conventional Fixed at 6.5%, up 38 bp from a week ago, and a 30-year Conventional Fixed at 7.0%, also up 38 bp. The 15-year Conventional Refi is 6.5%, rising 13 bp, while the 30-year Conventional Refi is 7.0%, up 13 bp. Adjustable 5-year ARM is at 5.75%, increasing 13 bp, and the 10-year ARM is 6.125%, up 13 bp. The Jumbo 30-year Fixed is 7.0%, up 13 bp from last week.
Connexus offers a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week. The 30-year conventional fixed rate is 6.75%, also up 25 bp from last week. FHA loans have a 3-year ARM at 4.99%, a 5-year ARM at 5.375%, and a 7-year ARM at 5.625%, all unchanged 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.