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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%, unchanged from 1, 7, 30, 60, and 90 days ago. This rate influences mortgage rates because when the Fed Funds rate is steady, it often means less immediate pressure for mortgage rates to rise or fall.
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 has a 15-year conventional fixed rate today at 5.642%, up 12 bp from a week ago. The 30-year conventional fixed rate is 6.558%, also up 13 bp over seven days. Their 30-year FHA fixed rate holds steady at 6.25%. The 30-year VA fixed rate is the same at 6.25%. Adjustable 5-year ARMs are at 5.625%, up 13 bp from last week.
Consumers offer a 15-year Conventional Fixed at 5.5% today and a 30-year Conventional Fixed at 6.875%, up 13 bp from a week ago. Their Jumbo 30-year Fixed is 7.0%, also up 13 bp in the last week. The 5-year ARM Conventional Fixed stands at 6.125%, rising 13 bp over seven days. 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 fixed rate at 5.75%, up 25 bp from a month ago. Their 30-year fixed rate is steady at 6.875%. The 15-year fixed rate has held steady over the past 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. Connexus shows a 15-year conventional fixed rate today at 5.75%, up 13 bp from 30 days ago. The 30-year conventional fixed rate is 6.5%, also up 13 bp over the same period. Their 15-year conventional refinance rate is 6.125%, down 13 bp from a week ago. The 30-year conventional refinance rate holds steady at 6.75%. FHA fixed rates for 3-, 5-, and 7-year terms remain steady at 4.99%, 5.375%, and 5.625%, respectively.
Market Indicators - Data & Insights:
Today, the Zillow 30-Year mortgage rate is 6.503%, slightly higher than 7 days ago. The Zillow 15-Year rate is 6.271%, also up from last week. Freddie Mac’s 30-Year rate is 6.660%, just above Zillow’s 30-Year rate today. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance.