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Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.
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 15-year and 30-year conventional fixed loans at 5.875% and 6.375% today, both up 38 bp from 30 days ago. Their jumbo 30-year fixed rate is 6.5%, also up 38 bp over the last month. The 5-year, 7-year, and 10-year adjustable rates stand at 5.75%, 6.0%, and 6.25%, respectively, each up 13 bp from 30 days back.
America First offers 15-year and 30-year Conventional Fixed loans at 5.75% and 6.5%, respectively. Their 30-year FHA Fixed rate is 6.0%, down 13 bp from a week ago. The 30-year VA Fixed rate is 6.125%, also down 13 bp over the past week. Rates have been steady for Conventional loans this month. 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%, with the 30-year rate 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 shows a 15-year conventional fixed rate today at 5.625%, unchanged from last week but down 13 bp from a month ago. The 30-year conventional fixed rate is 6.25%, down 13 bp from both last week and a month ago. Jumbo 30-year fixed loans are at 6.625%, down 13 bp from last week and the past month. Adjustable 5-year fixed rates stand at 5.75%, down 13 bp from last week and 25 bp from a month ago.
Nasa offers a 15-year conventional fixed rate at 5.875%, up 13 bp from a week ago. Their 30-year conventional fixed rate is 6.375%, down 13 bp over the past month. The 30-year FHA fixed rate is 6.25%, up 13 bp from last week. The 30-year VA fixed rate stands at 6.0%, up 13 bp from seven days ago. The 30-year jumbo fixed rate matches the conventional at 6.375%, down 13 bp over 30 days. Jovia Financial has a 15-year conventional fixed rate at 5.75% and a 30-year conventional fixed and FHA fixed rate at 6.375%, both unchanged from last week. Their 30-year jumbo fixed rate dropped by 13 bp to 6.875%. The 7-year adjustable rate is steady at 5.875%, while the 10-year adjustable rate rose by 13 bp to 6.375%.
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 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.