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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-01
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 it influences the cost banks pay to borrow money.
Credit Union Loan Rates - Trends & Analysis:
Heritage Financial has a 15-year fixed rate at 6.25%, up 13 bp from last week, and a 30-year fixed rate steady at 6.5%. Their 5-year ARM is at 5.25%, and the 7-year ARM is 5.375%, both unchanged from last week. Affinity Plus offers a 15-year Conventional fixed rate at 6.125% and a 30-year Conventional fixed and refinance rate at 6.75%. The VA 30-year fixed rate is 7.25%. Adjustable rates include 5-year ARMs at 5.25% and 7-year ARMs at 5.5%, all unchanged from recent weeks.
Affinity offers a 15-year conventional fixed rate today at 5.375%, down 13 bp from last week but up 13 bp from a month ago. Their 30-year conventional fixed rate is 6.0%, also down 13 bp from last week and up 13 bp from a month ago. FHA fixed rates are 5.625% for 3-year, 5.75% for 5-year, and 6.0% for 7-year terms, each down 13 bp from last week and up 13 bp from a month ago. American Heritage offers a 15-year conventional fixed rate at 5.518% and a 30-year conventional fixed rate at 6.433%. Their 15-year conventional refinance rate is 6.25%, with the 30-year conventional refinance at 7.0%. FHA and VA 30-year fixed rates are both 6.25%, while the jumbo 30-year fixed rate is 7.117%. Adjustable 5-year and 7-year ARMs are at 5.5% and 5.75%, respectively, with a recent 30-day increase of 38 bp on both.
Consumers offers a 15-year conventional fixed rate at 5.5% today and a 30-year conventional fixed rate at 6.875%, up 13 bp from last week. American has a 5-year ARM fixed at 6.0%, down 13 bp from 30 days ago. Jumbo 30-year fixed loans are at 6.875% today. Northrop Grumman offers adjustable-rate mortgages with 3-year today at 5.5%, 5-year at 5.625%, and 7-year at 6.125%. These rates have held steady over the past week and month.
Navy Federal Credit Union offers a 15-year Conventional fixed rate today at 5.625% and a 30-year Conventional fixed rate at 6.25%. The 15-year Conventional rate rose 13 bp over the past 15 days. Their 15-year Conventional refinance rate is 5.625%, up 25 bp in the last week, while the 30-year Conventional refinance rate is 6.25%, up 50 bp in the same period. The 30-year VA fixed rate is 5.875%, up 13 bp in the past week. The 3-year ARM Conventional rate is 5.375%, and the 5-year ARM Conventional rate is 5.625%, both steady from a week ago. The 30-year Jumbo fixed rate is 6.5%, up 13 bp over 15 days. 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.
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. Connexus shows a 15-year conventional fixed rate today at 5.75%, unchanged from last week but up 13 bp from a month ago. The 30-year conventional fixed rate is 6.5%, up 13 bp from last week and the same increase over the past month. FHA fixed rates for 3-, 5-, and 7-year terms hold steady at 4.99%, 5.375%, and 5.625%, respectively.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.496%, slightly higher than Freddie Mac’s 30-year rate at 6.660%. Zillow’s 30-year rate is also higher than it was 7 days ago. These rates reflect the cost borrowers pay for long-term home loans, which can influence how many people decide to buy or refinance homes.