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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:
Nasa offers a 15-year conventional fixed rate today at 6.0%, up 13 bp from a week ago. Their 30-year conventional fixed rate is 6.5%, also up 13 bp over the last week. FHA 30-year fixed loans are at 6.375%, rising 13 bp in seven days. VA 30-year fixed loans stand at 6.125%, up 13 bp since last week. Jumbo 30-year fixed loans are at 6.625%, increasing 25 bp in the past week. 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. First Technology offers a 15-year Conventional Fixed at 6.125% today, unchanged from last week but down 13 bp from a month ago. The 30-year Conventional Fixed is 6.875%, down 13 bp from both last week and a month ago. Jumbo 30-year Fixed is 6.75%, down 13 bp from last week but up 13 bp from a month ago. Adjustable 5- and 7-year terms are both at 6.0%, up 13 bp from last week and a month ago. The 10-year Adjustable Fixed is 6.75%, down 13 bp from a month ago.
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 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. Together shows a 15-year conventional fixed rate at 6.25%, up 13 bp from a week ago. The 30-year conventional fixed rate is 6.875%, also up 13 bp over the same period. Jumbo 30-year fixed loans match the conventional 30-year fixed at 6.875%, with the same weekly increase. Adjustable 5-year and 7-year fixed rates hold steady at 5.5%.
Directions offers a 30-year Conventional fixed mortgage at 7.0% today. The rate is unchanged from a week ago but up 13 bp from a month ago. There are no other fixed or adjustable options with current rates shown.
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.