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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:
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. 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.
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.
Dupaco Community offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.375%, both unchanged from a week ago but up 13 bp from two weeks prior. The same rates apply for 15-year and 30-year conventional refinances. Citadel offers a 15-year conventional fixed rate at 6.0%, up 13 bp from last week, and a 30-year conventional fixed at 6.75%, also up 13 bp. The 15-year conventional refinance rate is 5.75%, unchanged from a week ago, while the 30-year conventional refinance rate rose to 6.625%, up 13 bp. Adjustable 7-year and 10-year fixed rates stand at 6.375% and 6.5%, each up 13 bp from last week.
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. Digital offers a 15-year conventional fixed rate at 6.125% today, down 13 bp from last week. Their 30-year conventional fixed rate is 6.875%, also down 13 bp over seven days but up 38 bp from a month ago. The 15-year conventional refinance rate is steady at 6.25%, while the 30-year conventional refinance rate is 7.125%, unchanged from last week but up 63 bp over the past month.
Pentagon shows a 30-year Conventional Fixed rate at 6.25% today, unchanged from a week ago but up 13 bp from a month earlier. The 30-year Conventional Refinance Fixed is at 6.375%, also up 13 bp from 30 days ago. FHA 30-year Fixed stands at 5.75%, up 13 bp from a month ago. VA and Jumbo 30-year Fixed rates remain steady at 5.75% and 6.25%, respectively. America First shows a 15-year conventional fixed rate today at 5.875%, up 13 bp from a week ago. The 30-year conventional fixed rate is 6.625%, also up 13 bp over the last week. The 30-year FHA fixed rate is 6.25%, rising 13 bp in seven days. The 30-year VA fixed rate is 6.375%, up 13 bp from last week and 38 bp higher than a month ago.
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.