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Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-29
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.
Credit Union Loan Rates - Trends & Analysis:
Visions offers a 15-year conventional fixed rate at 5.75%, up 25 bp from 30 days ago. Their 30-year conventional fixed rate is 6.875%, up 13 bp from 30 days ago and unchanged from a week ago. The 15-year adjustable rate is 5.75% today. Cfcu Community offers a 30-year Conventional Fixed mortgage at 5.75% today. The rate has stayed steady over the past week and month. Municipal offers a 15-year conventional fixed rate today at 5.625%, down 25 bp from last week, and a 30-year conventional fixed at 6.125%, also down 25 bp over seven days. Jumbo 30-year fixed loans are at 6.25%, down 25 bp from last week. Adjustable-rate 5-, 7-, and 10-year fixed programs range from 5.75% to 6.25%, with a slight increase of 13 bp over the past 30 days.
America First shows a 15-year conventional fixed rate today at 5.875%, up 13 bp from last week. Their 30-year conventional fixed and 30-year conventional refinance rates are both 6.5%, unchanged from a week ago but up 13 bp from two weeks ago. FHA 30-year fixed is at 6.0%, down 13 bp from last week. VA 30-year fixed stands at 6.125%, also down 13 bp from last week. Baxter offers a 15-year conventional fixed rate at 5.75% and a 30-year conventional fixed rate at 6.5%, both unchanged from earlier in the month. Their 30-year jumbo fixed rate is 6.25%, steady as well. The 5-year ARM is at 5.25%, with no recent change.
Sidney offers a 15-year fixed rate at 5.75% and a 30-year fixed rate at 6.125%, which is up 13 bp from 30 days ago. Adjustable rates include 5-year at 6.125%, 7-year at 5.875%, and 10-year at 6.0%, all unchanged from a week ago. State Department offers a 15-year conventional fixed rate today at 5.625%, unchanged from last week but down 13 bp from a month ago. Their 30-year conventional fixed rate is 6.25%, steady from last week and down 13 bp over 30 days. The 30-year jumbo fixed rate is 6.625%, also steady from last week and down 13 bp from a month ago. The 5-year ARM is 5.75%, unchanged from last week but down 25 bp in the past 30 days. The 7-year and 10-year ARMs hold steady at 6.125% and 6.25%, respectively.
Nasa offers a 15-year conventional fixed rate at 5.875% today, up 13 bp from last week. The 30-year conventional fixed rate holds steady at 6.375%. FHA 30-year fixed loans are at 6.25%, also up 13 bp from last week. VA 30-year fixed loans are 6.0%, up 13 bp from last week. Jumbo 30-year fixed loans are at 6.5%, up 13 bp from last week and 13 bp higher than a month ago. Jovia Financial offers a 15-year conventional fixed rate today at 5.875%, up 13 bp from last week. Their 30-year conventional fixed and FHA 30-year fixed rates hold steady at 6.375%. The 7-year adjustable rate is 5.875%, with a 30-day increase of 13 bp. Jumbo 30-year fixed remains at 7.0%.
Mid-Hudson Valley shows a 15-year conventional fixed rate today at 5.875%, up 13 bp from last week. The 30-year conventional fixed rate remains steady at 6.625%. For 15-year conventional refinance, the rate is 5.875%, up 13 bp from last week and 25 bp from a month ago. The 30-year conventional refinance rate is 6.625%, up 13 bp from last week and 13 bp from a month ago.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.411%, and Freddie Mac’s 30-year rate is 6.660%, with Zillow lower than Freddie Mac. Zillow’s 15-year rate is 6.109%, down from 7 days ago. These rates reflect the cost borrowers pay to finance homes, influencing how many people can afford to buy or refinance.