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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:
Boeing Employees offers a 15-year conventional fixed rate at 6.199% today, up 15 bp from 30 days ago. Their 30-year conventional fixed is 6.917%, rising 11 bp over the same period. The 30-year conventional fixed rate with refinancing is 6.925%, also up 11 bp. FHA 30-year fixed is lower at 6.388%, down 42 bp from 30 days ago. VA 30-year fixed stands at 6.4%, up 15 bp, while Jumbo 30-year fixed is 6.577%, unchanged from 30 days ago. American Airlines offers a 15-year conventional fixed rate at 6.21% and a 30-year conventional fixed rate at 6.583%, both unchanged from a week ago but up 13 bp from a month ago. Their 5-year adjustable rate stands at 6.533%, up 20 bp from 30 days prior. Rates have held steady recently with slight increases over the past month.
Meriwest offers a 15-year fixed rate at 6.25% today, unchanged from the past weeks. Their 30-year fixed rate is 6.375%, up 13 bp from both one week and one month ago. Whatcom Educational shows a 15-year Conventional fixed rate at 6.25% today, up 25 bp from last week. The 30-year Conventional fixed rate is 7.0%, up 38 bp in the past 7 days. Their 15-year Conventional refinance rate is 6.125%, up 13 bp, and the 30-year Conventional refinance rate is 6.875%, also up 13 bp. The 30-year VA fixed rate is 6.75%, up 38 bp from a week ago, and the 30-year Jumbo fixed rate is 7.0%, up 25 bp. The 7-year Adjustable rate is 6.375%, up 38 bp.
Numerica offers a 15-year conventional fixed rate today at 6.375%, up 25 bp from last week. Their 30-year conventional fixed rate is 6.875%, rising 13 bp over the same period. The jumbo 30-year fixed rate holds steady at 7.625%. Digital shows a 15-year Conventional Fixed rate today at 6.375%, unchanged from last week but up 50 bp from a month ago. The 30-year Conventional Fixed rate is steady at 7.0%, with a 30 bp increase over the past month. For 15-year Conventional ARM, the rate is 6.5%, up 13 bp from last week and 63 bp from a month ago. The 30-year Conventional ARM rate rose to 7.375%, 38 bp higher than last week and 88 bp above the rate from a month ago.
First Technology offers a 15-year Conventional Fixed at 6.375%, unchanged from last week but up 13 bp from three weeks ago. Their 30-year Conventional Fixed is 7.125%, up 13 bp from both last week and three weeks ago. The 30-year Jumbo Fixed rate holds steady at 6.875%. Adjustable rates for 5- and 7-year terms are at 6.375%, rising 13 bp from last week and 50 bp from three weeks ago. The 10-year ARM is 6.75%. Pentagon shows a 30-year Conventional Fixed rate today at 6.5%, up 25 bp from a week ago. Their 30-year Conventional Refinance rate is 6.625%, rising 25 bp in seven days and 38 bp over 30 days. FHA 30-year Fixed is 6.0%, up 25 bp in a week and 38 bp in 30 days. VA 30-year Fixed stands at 6.125%, increasing 38 bp in seven days and 50 bp in 30 days. Jumbo 30-year Fixed is 6.375%, up 13 bp in the past week.
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.