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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-06
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 1, 7, 30, 60, and 90 days ago. The rate is lower than one year ago when it was 4.50%. When the Fed Funds rate is higher, it can increase mortgage rates by raising borrowing costs for lenders.
Credit Union Loan Rates - Trends & Analysis:
Abound offers a 15-year fixed at 6.0%, up 25 bp from last week, and a 30-year fixed at 6.625%, up 13 bp. Their 30-year VA fixed is 6.25%, also up 13 bp. Adjustable-rate options include 5-year, 7-year, and jumbo 30-year fixed loans, all at 6.625%, each up 13 bp from last week. Dupaco Community offers a 15-year conventional fixed rate at 6.125% today, up 13 bp from a week ago and 25 bp from 30 days ago. The 30-year conventional fixed rate holds steady at 6.375%. The 15-year conventional refinance rate is also 6.125%, up 13 bp over the past week and 13 bp from 30 days ago, while the 30-year conventional refinance rate remains at 6.375%.
L & N offers a 15-year fixed rate at 6.125%, unchanged from a week ago but up 13 bp from a month prior. Their 30-year fixed rate is 6.75%, up 13 bp from both a week and a month ago. Rates have edged slightly higher over the past month for both terms. Alliant shows a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week and last month. The 30-year conventional fixed is 7.0%, also up 25 bp over the same periods. Adjustable 5-year and 7-year ARMs are at 6.0% and 6.125%, respectively, with smaller increases of 13 bp from last week and 25 bp from last month. The 10-year ARM is 6.375%, rising 13 bp from last week and 25 bp from last month.
American Airlines offers a 15-year conventional fixed rate at 6.21% and a 30-year conventional fixed rate at 6.583%, both unchanged from a week ago but up 13 bp from a month ago. Their 5-year adjustable rate stands at 6.533%, up 20 bp from 30 days prior. Rates have held steady recently with slight increases over the past month. Pentagon offers a 30-year Conventional fixed rate at 6.25% today. Their 30-year Conventional refinance rate is higher at 6.375%, up 25 bp from a week ago and 13 bp from a month ago. FHA and VA 30-year fixed loans are both at 5.75%. Jumbo 30-year fixed loans stand at 6.25%.
Digital shows a 15-year conventional fixed rate today at 6.375%, up 25 bp from a week ago and 63 bp from a month ago. The 30-year conventional fixed rate is 7.0%, up 13 bp from a week ago and 50 bp from a month ago. The 30-year conventional refinance rate is also 7.0%, unchanged from a week ago but up 50 bp from a month ago.
First Technology offers a 15-year conventional fixed rate at 6.375%, up 25 bp from a week ago. The 30-year conventional fixed rate is 7.0%, unchanged from last week but up 13 bp from 30 days ago. Their 30-year jumbo fixed rate is 6.875%, steady from a week ago but 25 bp higher than 30 days prior. The 5-year adjustable rate is 6.25%, up 38 bp from a week ago and 50 bp from 30 days ago. The 7-year adjustable rate is also 6.25%, up 38 bp from a week ago and 30 days ago. The 10-year adjustable rate stands at 6.75%, down 13 bp from 30 days ago.
Market Indicators - Data & Insights:
Today, Zillow shows the 30-year mortgage rate at 6.531% and the 15-year at 6.250%. Freddie Mac reports the 30-year rate at 6.710%, which is higher than Zillow’s 30-year rate today. These rates reflect the current cost of borrowing for homebuyers, influencing how much people may be willing to pay for homes.