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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-20
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%, higher than 7, 30, 60, and 90 days ago when it was 3.75%. When the Fed Funds rate rises, it can increase mortgage rates because lenders face higher borrowing costs.
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 offers a 15-year Conventional Fixed rate at 6.5% today, up 13 bp from a week ago and 38 bp over the past 30 days. The 30-year Conventional Fixed and Jumbo Fixed rates are both 7.0%, each up 13 bp from last week and 25 bp over 30 days. The VA 30-year Fixed rate is 7.625%, unchanged from a week ago but up 38 bp over 30 days. Adjustable-rate 5-year and 7-year ARMs hold steady at 5.25% and 5.5%.
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. Star One shows a 15-year conventional fixed rate today at 6.625%, up 38 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.0%, rising 125 bp over both the past week and month. Jumbo 30-year fixed loans are also at 7.0%, up 125 bp from last week and 61 bp from 30 days ago. Adjustable rates include a 3-year ARM at 5.75%, 5-year at 5.5%, 7-year at 6.0%, and 10-year at 6.125%, all unchanged from prior periods.
Consumers offers a 15-year conventional fixed rate at 5.5% today. Their 30-year conventional fixed rate rose to 7.125%, up 25 bp from last week and 50 bp over the past month. Jumbo loans have a 30-year fixed rate at 7.125%, up 13 bp from last week and 50 bp from a month ago. The 5-year ARM is at 6.375%, increasing 25 bp from last week and 38 bp over 30 days. Northrop Grumman offers adjustable-rate mortgages with a 3-year ARM at 5.5%, a 5-year ARM at 5.625%, and a 7-year ARM at 6.125% as of today. These rates have stayed steady over the past week and month. If you prefer an ARM, these are the current options to consider.
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%. San-Francisco-Federal-Credit-Union shows a 15-year Conventional Fixed rate today at 5.75%, up 25 bp from last week. Their 30-year Conventional Fixed rate is 6.615%, up 12 bp over seven days. The 30-year Jumbo Fixed rate is 6.365%, down 26 bp from last week. Adjustable rates include a 5-year ARM at 5.5%, down 25 bp, a 7-year ARM at 5.625%, down 25 bp, and a 10-year ARM at 6.0%, down 75 bp.
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 6.855%, and Freddie Mac’s 30-year rate is 6.950%, with Zillow slightly lower than Freddie Mac. Zillow’s 30-year rate is higher than it was 7 days ago. These rates reflect the cost borrowers face for long-term home loans, which can influence how many people decide to buy or refinance homes.