Mortgage Loans in Montrose, IA

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it often means mortgage rates face less upward pressure since short-term borrowing costs for banks remain stable.

Credit Union Loan Rates - Trends & Analysis:

Collins Community offers a 15-year conventional fixed rate at 5.99% and a 30-year conventional fixed rate at 6.49% as of September 9, 2026. They also have adjustable-rate mortgages with 5-year and 7-year terms at 6.0% and 6.125%, respectively. Rates have held steady compared to previous weeks. Nasa offers a 15-year conventional fixed rate at 6.0%, unchanged from last week but up 25 bp from a month ago. The 30-year conventional fixed rate is 6.5%, steady over the past week and 13 bp higher than 30 days ago. FHA 30-year fixed loans are at 6.375%, the same as last week but up 25 bp from a month ago. VA 30-year fixed loans stand at 6.125%, up 13 bp from a month ago. Jumbo 30-year fixed loans are at 6.625%, unchanged this week but 25 bp higher than 30 days ago.

Baxter offers a 15-year Conventional Fixed at 6.0%, up 13 bp from last week and 25 bp from 30 days ago. Their 30-year Conventional Fixed is steady at 6.625%, unchanged from last week but up 13 bp from 30 days ago. The 15-year Adjustable Fixed is 5.375%, up 13 bp from 30 days ago. The Jumbo 30-year Fixed remains steady at 6.25%. America First shows a 15-year Conventional Fixed rate today at 6.125%, up 25 bp from last week and 38 bp from a month ago. The 30-year Conventional Fixed is 6.75%, also up 25 bp over the past week and month. FHA 30-year Fixed is 6.375%, rising 13 bp in the last week and 38 bp since a month ago. The VA 30-year Fixed rate is 6.5%, up 13 bp this week and 25 bp over 30 days.

Dupaco Community offers a 15-year conventional fixed rate at 6.125% today, unchanged from a week ago but up 13 bp from 30 days prior. Their 30-year conventional fixed rate is 6.375%, down 13 bp from last week and steady over the past month. The 15-year and 30-year conventional refinance rates are 6.125% and 6.5%, respectively, with the 30-year refinance up 13 bp from 30 days 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. Digital shows a 15-year conventional fixed rate today at 6.375%, up 25 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.0%, rising 13 bp in the past week and 50 bp over the last month. The 15-year conventional fixed refinance rate holds steady at 6.25%, while the 30-year conventional fixed refinance rate is 7.0%, down 13 bp from last week but up 50 bp from 30 days ago.

First Technology offers a 15-year Conventional Fixed at 6.375%, unchanged from last week but up 13 bp from three weeks ago. Their 30-year Conventional Fixed is 7.125%, up 13 bp from both last week and three weeks ago. The 30-year Jumbo Fixed rate holds steady at 6.875%. Adjustable rates for 5- and 7-year terms are at 6.375%, rising 13 bp from last week and 50 bp from three weeks ago. The 10-year ARM is 6.75%. Pentagon shows a 30-year Conventional Fixed rate today at 6.5%, up 25 bp from a week ago. Their 30-year Conventional Refinance rate is 6.625%, rising 25 bp in seven days and 38 bp over 30 days. FHA 30-year Fixed is 6.0%, up 25 bp in a week and 38 bp in 30 days. VA 30-year Fixed stands at 6.125%, increasing 38 bp in seven days and 50 bp in 30 days. Jumbo 30-year Fixed is 6.375%, up 13 bp in the past week.