Filters
Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28
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:
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. 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.
Citadel offers a 15-year conventional fixed rate today at 5.75%, down 13 bp from a week ago. The 30-year conventional fixed rate holds steady at 6.625%. Their 15-year conventional refinance rate is also 5.75%, while the 30-year conventional refinance rate rose by 63 bp to 6.625%. Adjustable 7-year and 10-year rates are 6.25% and 6.375%, respectively, with the 7-year up 13 bp over two weeks. 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.
Clearview offers a 15-year fixed rate at 5.875% and a 30-year fixed rate at 6.5%, up 13 bp from 30 days ago. The 15-year fixed rate has held steady at 5.875%. The 30-year fixed rate rose slightly from 6.375% a month ago. Franklin Mint offers a 15-year conventional fixed rate at 5.875% and a 30-year conventional fixed rate at 6.5%, down 13 bp from a week ago. Their 5-year ARM is at 6.125%, up 25 bp over the past 30 days.
People First offers a 15-year conventional fixed rate today at 5.875%, unchanged from last week but up 25 bp from two weeks ago. Their 30-year conventional fixed rate is 6.5%, also steady this week but up 50 bp from a month ago. The 30-year FHA fixed rate holds steady at 6.25%. For adjustable rates, the 5-year ARM is 5.5%, up 25 bp from two weeks ago, and the 10-year ARM is 5.99%, also up 25 bp from two weeks ago. Freedom offers a 15-year conventional fixed rate today at 5.875%, up 13 bp from last week, and a 30-year conventional fixed at 6.625%, also up 13 bp. Their 15-year and 30-year adjustable conventional loans are not listed. Jumbo 30-year fixed loans are at 7.0%, rising 13 bp from a week ago. Adjustable conventional loans for 5, 7, and 10 years range from 6.125% to 6.375%, each up 13 bp from last week.
First Commonwealth offers a 15-year conventional fixed rate today at 5.625% and a 30-year conventional fixed rate at 6.25%. The 30-year FHA fixed rate is 6.125%. Rates have held steady over the past week and month. Diamond offers a 15-year conventional fixed rate at 6.0%, down 13 bp from a week ago. The 30-year conventional fixed rate holds steady at 6.5%. Rates have been stable for the 30-year term over the past month.
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.