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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:
Dupaco Community offers a 15-year conventional fixed rate at 6.5%, up 12 bp from a week ago and 50 bp from a month ago. Their 30-year conventional fixed rate is 6.75%, unchanged from last week but 38 bp higher than 30 days ago. Both 15- and 30-year rates have the same values for conventional and refinance options. Sierra Central offers a 30-year Conventional Fixed at 6.5% today, up 38 bp from a week ago. The Jumbo 30-year Fixed rate is 7.375%, a 38 bp increase over the past 15 and 30 days.
Pentagon offers a 30-year Conventional Fixed at 6.625% today, up 13 bp from last week and 38 bp from a month ago. Their 30-year Conventional Refinance Fixed is at 6.75%, also up 13 bp from last week and 50 bp from a month ago. The 30-year FHA Fixed rate is 6.125%, rising 13 bp since last week and 38 bp over the past month. The 30-year VA Fixed is steady today at 6.125%, with a 38 bp increase from a month ago. Jumbo 30-year Fixed loans are at 6.625%, up 25 bp from last week and 38 bp from a month ago. Kinecta offers a 30-year Conventional Fixed mortgage at 6.875% today, up 38 bp from last week and 63 bp from a month ago. Their 30-year Jumbo Fixed rate is 6.75%, rising 13 bp over the past week and month. The only other rate shown is a 30-year Adjustable at 5.625% from August, with no current update.
Wescom Central has a 15-year conventional fixed rate today at 6.625%, up 13 bp from last week and 63 bp from a month ago. Their 30-year conventional fixed is steady at 7.125% but up 50 bp from 30 days ago. For adjustable-rate loans, the 5-year ARM is 6.125%, rising 25 bp over the past month, and the 7-year ARM is 6.375%, also up 25 bp in 30 days. The 10-year ARM stands at 6.75%, increasing 50 bp from a month ago. The jumbo 30-year fixed rate is 6.99% today. Safe offers a 30-year conventional fixed mortgage at 6.63% today. This rate is up 13 bp from last week and 38 bp higher than a month ago.
Digital shows a 15-year Conventional Fixed rate today at 6.75%, up 13 bp from last week and 63 bp higher than a month ago. The 30-year Conventional Fixed rate is 7.375%, unchanged from last week but 38 bp higher than 30 days ago. The 30-year Conventional ARM is also 7.375%, steady over the past week and up 25 bp from a month ago. The 30-year Jumbo Fixed rate is 7.25%, steady week-over-week and 38 bp higher than 30 days prior.
First Technology shows a 15-year conventional fixed rate today at 6.75%, up 38 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.375%, rising 25 bp in the past week and 50 bp over the month. Jumbo 30-year fixed loans stand at 7.25%, increasing 38 bp from last week and 50 bp from 30 days ago. Adjustable 5- and 7-year fixed rates are both 6.5%, up 13 bp this week and 63 bp since last month. The 10-year adjustable fixed rate is 7.125%, up 38 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.