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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:
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%, 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.
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 mortgage at 6.125% today, up 13 bp from a week ago. Their 30-year conventional fixed rate is 6.375%, unchanged from a week ago. For 15-year conventional refinance, the rate is also 6.125%, up 13 bp over the past week, while the 30-year conventional refinance rate is 6.5%, up 13 bp from last week and 25 bp higher than 30 days ago. Digital offers a 15-year conventional fixed rate at 6.125%, down 13 bp from a week ago, and a 30-year conventional fixed at 6.875%, also down 13 bp. Their 15-year conventional refinance rate is steady at 6.25%, while the 30-year conventional refinance rate is 7.125%, up 63 bp from a month ago.
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 and 30-year Conventional Refinance rates are both 6.625%, also up 13 bp from last week. The 30-year FHA Fixed rate is 6.25%, rising 25 bp in seven days. The 30-year VA Fixed rate is 6.375%, increasing 13 bp over the past week and 38 bp since 30 days ago.
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.