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Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-31
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:
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.
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.