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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.
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.