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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-22
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%. This is higher than the rate 7 days ago, which was 3.75%. When the Fed Funds rate rises, it can put upward pressure on mortgage rates, making borrowing costs higher for homebuyers.
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% today, a 5-year ARM at 5.625%, and a 7-year ARM at 6.125%. These rates have stayed steady over the past week and month.
San Francisco Fire offers a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week. Their 30-year conventional fixed rate is 6.75%, also up 25 bp over seven days and 38 bp higher than a month ago. The jumbo 30-year fixed rate stands at 6.5%, unchanged from last week but up 25 bp from 30 days prior. Adjustable rates remain steady with 5-year at 5.625%, 7-year at 5.75%, and 10-year 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 7.125%, and Freddie Mac's 30-year rate is 6.950%, with Zillow higher than Freddie Mac. Zillow's 30-year rate is also higher than 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.