Filters
Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-14
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, the same as 7, 30, 60, and 90 days ago. The rate is lower than it was one year ago at 4.50%. When the Fed Funds rate is higher, mortgage rates often face upward pressure because lenders’ costs increase.
Credit Union Loan Rates - Trends & Analysis:
Lbs Financial offers a 15-year fixed rate at 6.0%, which is up 13 bp from 30 days ago. Their 30-year fixed rate remains steady at 6.375%. Both rates have held steady over the past week. Pacific Service offers a 15-year conventional fixed rate at 5.75%, up 25 bp from last week, and a 30-year conventional fixed at 6.375%, up 13 bp. The 30-year FHA fixed is steady at 6.0%, and the 30-year jumbo fixed remains at 6.125%. An adjustable 5-year ARM is also available at 5.75%.
America First shows a 15-year conventional fixed rate at 6.125%, up 25 bp from a week ago. Their 30-year conventional fixed is 6.75%, also up 25 bp in the last 7 days. FHA 30-year fixed is 6.375%, rising 13 bp this week. VA 30-year fixed stands at 6.5%, up 13 bp from last week. The 30-year conventional refinance rate is 6.875%, up 25 bp compared to seven days ago. Orange County'S offers a 15-year conventional fixed rate at 6.0%, up 13 bp from last week, and a 30-year conventional fixed at 6.625%, also up 13 bp. Their 15-year adjustable rate is 5.625%, rising 13 bp over seven days. The 7-year adjustable rate stands at 6.125%, up 13 bp, while the 10-year adjustable is 6.25%, up 13 bp from last week.
Altaone offers a 15-year fixed rate at 6.069% today, up 13 bp from a week ago. Their 30-year fixed rate is 6.62%, also up 13 bp over the same period. Both rates have increased slightly compared to last week but remain steady compared to a month ago. 1St United offers a 15-year conventional fixed rate at 6.25%, up 13 bp from a week ago, and a 30-year conventional fixed at 6.75%, also up 13 bp. Their 30-year jumbo fixed rate is 6.875%, rising 13 bp in the last week. The 7-year adjustable fixed rate stands at 6.125%, up 13 bp as well.
Chevron offers a 15-year conventional fixed rate at 6.375%, up 38 bp from last week, and a 30-year conventional fixed at 6.75%, up 13 bp. Their 15-year and 30-year jumbo fixed rates match the conventional fixed rates at 6.375% and 6.75%, respectively, with the same weekly increases. Adjustable rates include a 5-year ARM at 6.125%, up 13 bp. The 7-year ARM is at 6.25%, up 25 bp. Connexus offers a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week and 50 bp from a month ago. The 30-year conventional fixed rate is 6.75%, rising 25 bp in the past week and 38 bp over 30 days. Adjustable rates include a 3-year ARM at 4.99%, a 5-year ARM at 5.375%, and a 7-year ARM at 5.625%, all unchanged recently.
Dupaco Community offers a 15-year conventional fixed rate at 6.125% today, unchanged from a week ago but up 13 bp from 30 days prior. Their 30-year conventional fixed rate is 6.375%, down 13 bp from last week and steady over the past month. The 15-year and 30-year conventional refinance rates are 6.125% and 6.5%, respectively, with the 30-year refinance up 13 bp from 30 days ago. Star One offers a 15-year conventional fixed rate at 6.25%, up 13 bp from two weeks ago. Their 30-year conventional fixed rate holds steady at 5.75%. The 30-year jumbo fixed rate is also 5.75%, down 64 bp from a week ago but unchanged from a month ago.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.745%, higher than Freddie Mac’s 6.760%. Zillow’s 30-year rate is also higher than it was 7 days ago. The Zillow 15-year rate stands at 6.482%. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance existing loans.